Watch Now (Coverage Breakdown – Flood Insurance)
The Johnsons had lived in their neighborhood for nearly 10 years. It was quiet, on a hill, and nowhere near a river or lake.
One spring evening, a sudden thunderstorm dumped 6 inches of rain in under two hours. The gutters backed up. The storm drain overflowed. The water rushed downhill, pooled in their backyard, then seeped into the basement.
Their homeowners insurance didn’t cover a dime.
Why? Because it was flood damage—and they didn’t have flood insurance.
Everyone Is in a Flood Zone
You might not be in a “high-risk” area, but here’s the truth: We are all in a flood zone.
Most people in North Carolina are in what’s called Flood Zone X, which is considered low risk. But low risk doesn’t mean no risk.
Flooding can happen due to:
– Sudden rainfall and poor runoff
– New construction altering water flow
– Blocked storm drains
– Even mudslides or ground movement caused by water
Where Homeowners Insurance Stops
Homeowners insurance won’t cover damage from:
– Water pooling outside and entering your home
– Mudslides or “fluid” ground movement
– Water crossing property lines and causing damage
That’s where flood insurance begins.
So, What’s the Cost?
Flood insurance is often more affordable than people think—especially in low-risk areas. We even offer instant online quotes through private carriers on our website:
👉 Sherrills Ford Flood Insurance | Insuring North Carolina
Better to Check Now Than Pay Later
Don’t wait until after the storm. Whether you’re lakefront, hilltop, or somewhere in between, flood insurance is worth a second look.
Give us a call or get a quote today. We’ll help you decide if it’s the right fit for your risk.
