Flood Insurance

Flood insurance typically covers damage to your home and its contents caused by flooding. This includes structural damage, such as foundation damage, and damage to your personal property, such as furniture and electronics. It's important to note that flood insurance does not cover damage caused by other types of water damage, such as a burst pipe or a leaking roof.

The cost of flood insurance in North Carolina varies depending on several factors, including the location of your home, the type of coverage you choose, and the level of risk for flooding in your area.

Flood insurance is not required by law in North Carolina, but it may be required by your mortgage lender if you live in a high-risk flood zone. Even if you don't live in a high-risk zone, it's still a good idea to consider purchasing flood insurance to protect your home and its contents from flood damage.

Yes, you can purchase flood insurance at any time in North Carolina, but there is a 30-day waiting period before the policy takes effect. This means that you cannot purchase flood insurance in anticipation of an imminent flood event. It's a good idea to purchase flood insurance well before any anticipated flood events.