{"id":2656,"date":"2011-12-09T14:41:49","date_gmt":"2011-12-09T20:41:49","guid":{"rendered":"https:\/\/www.ruddinsurance.com\/kentucky\/?page_id=2656"},"modified":"2019-08-22T16:08:21","modified_gmt":"2019-08-22T22:08:21","slug":"flood-insurance","status":"publish","type":"page","link":"https:\/\/www.ruddinsurance.com\/kentucky\/insurance\/personal-insurance\/flood-insurance\/","title":{"rendered":"Flood Insurance"},"content":{"rendered":"\n
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<\/span>Rudd Insurance Agency<\/div>\n

Flood Insurance throughout Kentucky<\/h2>\n
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If you’re in a high-risk flood area, flood insurance is critical \u2014 but even outside designated flood zones, flooding can happen from poor drainage, storm runoff, or just a few inches of rising water. Your standard homeowners policy does NOT<\/strong> cover floods.<\/p>\n

Rudd Insurance Agency can find a plan through the NFIP or private carriers to fit your needs and budget.<\/p>\n<\/p><\/div>\n

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Coverage Program<\/div>\n
NFIP & Private<\/div>\n<\/p><\/div>\n
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Property Damage<\/div>\n
Covered<\/div>\n<\/p><\/div>\n
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Contents<\/div>\n
Covered<\/div>\n<\/p><\/div>\n
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Risk Areas<\/div>\n
All Zones<\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Flood damage can happen anywhere \u2014 not just flood zones.<\/div>\n

Don’t wait until it’s too late. Get a flood insurance quote from Rudd Insurance Agency in Madisonville, Kentucky today.<\/p>\n<\/p><\/div>\n

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Understanding Flood Insurance<\/div>\n

Flooding is one of the most common and costly natural disasters, and it is not covered by a standard homeowners policy. A separate flood insurance policy protects your home and belongings from rising water. Here is what homeowners should know.<\/p>\n

Building Property Coverage<\/h3>\n

This covers the physical structure of your home and its essential systems — foundation, electrical and plumbing, heating and air conditioning, water heaters, and permanently installed fixtures, cabinets, and flooring.<\/p>\n

Personal Property (Contents) Coverage<\/h3>\n

Purchased separately from building coverage, contents coverage protects belongings such as furniture, clothing, electronics, and appliances that are not permanently attached to your home.<\/p>\n

Flood Insurance FAQ<\/div>\n

Does homeowners insurance cover flood damage?<\/h3>\n

No. Standard homeowners policies exclude damage caused by flooding. You need a separate flood insurance policy to be protected against rising water.<\/p>\n

Is flood insurance required?<\/h3>\n

No state requires flood insurance by law, but lenders generally require it for homes in a high-risk flood zone (a Special Flood Hazard Area). It is worth considering even outside those zones.<\/p>\n

Where can I buy flood insurance?<\/h3>\n

Flood coverage is available through the National Flood Insurance Program (NFIP), administered by FEMA, and through private flood insurers. As an independent agency, we can help you compare your options.<\/p>\n

Is there a waiting period before coverage starts?<\/h3>\n

NFIP policies typically have a 30-day waiting period before coverage takes effect, so it is important not to wait until a storm is in the forecast to buy a policy.<\/p>\n

Do I need flood insurance if I am not in a high-risk zone?<\/h3>\n

Possibly. A significant share of flood claims come from moderate- to low-risk areas, where coverage is usually less expensive. Any property can flood.<\/p>\n<\/p><\/div>\n

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Coverages Available<\/div>\n
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Flood Insurance \u2014 Coverage Can Include:<\/h3>\n