No matter where you live in the country, flooding is a very real and very damaging possibility. In the Midwest, rivers like the Mississippi overflow into the streets on a regular basis. Easterners live with flooding caused by nor’easters, rapid melting snow, and the tail end of tropic storms. The south’s flooding is brought on by tropic storms. Western states have an intense flooding season each year from November through March that causes millions of dollars of damage. For these reasons, we strongly suggest you consider purchasing commercial flood insurance.

Most home and business owners are insured against ice and snow, fire, and theft, as part of their building’s general insurance. However, this policy does not cover damage caused by flooding. With the high probability of flooding across the country, the piece of mind you get from having business flood insurance will add to its value.

The National Flood Insurance Program (NFIP) exists to make sure you get the coverage you need at a reasonable rate. All flood insurance agents for businesses have to answer to this organization, which ensures you get a fair price when purchasing your flood insurance.

What does commercial flood insurance cover?

Building coverage: This pays to fix any damage to your building, fixtures, machinery, or building contents. This is beneficial because literally anything that is damaged by a flood is covered, something you won’t find with many other insurance policies.
Sandbagging: Sandbagging is a preventative step to help protect against flood damage. With flood insurance, you will be reimbursed for the cost of sandbagging, essentially protecting yourself for free.
Cleanup: Any cleanup required after a flood, such as removing debris or cleaning your building, is also covered by this insurance.

You initially pay for the cost out of pocket, but are reimbursed once you’ve made a claim to your insurance agency.

Call your local flood insurance agent to find out about coverage options and premiums. Your insurance agent can also offer suggestions on preventative measures to decrease the severity of flood damage. With knowledge of what to do in case of a flood combined with commercial flood insurance, you can protect your financial investments from what could otherwise be a disastrous situation.

When Mac Rousinburg researched commercial flood insurance for his business property, AM Flood agents were very helpful. He was able to get flood insurance quotes over the phone for both his home and business. Mac found a flood insurance company that could protect his assets for the best rate possible.

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