Call Us 850-457-3299 ☰ ˟
Logo
Call Us Today 850-457-3299
  • Home
  • Get A Quote
    • Annuities
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Homeowner Flood Quote Form
      • Homeowners Quote
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
    • Windstorm
  • Customer Service
    • Online Account Access
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Other
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
    • Windstorm
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Important Files
    • Free Reports
    • Insurance Glossary
    • Frequently Asked Questions
    • News Center
  • About Us
    • About Coggins Insurance Agency
    • Location Map
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
Home > Blog > Storm Surge and Flooding
THURSDAY, JUNE 27, 2013

Storm Surge and Flooding

Some of the most damaging effects of hurricanes involve storm surge and flooding. Surges and flooding affect not only the coastline, but can also cause considerable devastation inland.

27 June 2013

Stormy Skies and Angry Ocean

The general rule is if your home sustains water damage from the top down, it is covered by your homeowners insurance. However, if water damage is from the bottom up, then it is considered flood damage and is covered by flood insurance.

Did you know that flood damage is not covered by your homeowners insurance policy? We recommend purchasing a separate flood policy from your insurance agent to be sure you have the coverage you need.

Flood insurance is typically subject to a 30-day waiting period, meaning that it will not cover losses incurred within 30 days after the policy effective date. So, don't wait until a hurricane is forecast in your area to purchase a flood policy . . . or it will be too late to have coverage for that storm. If a policy is purchased in connection with a mortgage, the 30-day waiting period does not apply.

STORM SURGE

How does a storm surge differ from a storm tide? Based on the time of day, the normal tide is either high or low. When water levels increase because of a nearby storm that includes heavy rainfall, water levels rise and the normal tide becomes a storm tide.

Storm surge is caused by a combination of high water levels and intense winds. Storm surge levels are not included on the Saffir-Simpson Hurricane Scale, because there are too many variables to consider. Many factors determine the impact and extent of a storm surge, such as the storm's overall size and speed, as well as the shape of the coastline. A storm surge, especially when it occurs during high tide, can have a devastating impact.

For example, in 2005 Hurricane Katrina had been downgraded to a category 3 when it reached the coast of Louisiana, but the storm surge was 28 feet high. However, these powerful surges can impact more than just coastlines by causing damage inland as well. When Hurricane Ike struck Texas and Louisiana in 2008, storm surges reportedly reached as far as 30 miles inland in some regions.

FLOODING

You do not need to live near the coast or inland waterway to be affected by flooding; floods can happen anywhere at any time. According to the Federal Emergency Management Agency (FEMA), floods are the most common and costly natural disaster. Flooding during a tropical storm or hurricane can be the result of a storm surge, but more often it is caused by torrential rains or a weather system stalling over an area. If the ground becomes overly saturated or there is insufficient drainage, flooding can quickly occur.

Even an inch or two of water in your home can cause extensive and expensive damage. Consider all of the items that touch the floor of your home and the high cost of replacing them: flooring, appliances, cabinetry, furniture, and electronics, plus repairs to the interior and exterior walls of your home. To learn more about what flood damage to your home could cost, check out the interactive Measure Your Damage tool available on FloodSmart.gov.

To purchase flood insurance, contact your agent. You can save 2.5% on your homeowners policy by purchasing a flood policy through Tower Hill.

Posted 4:15 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2016
  • 2015
  • 2014
  • 2013

  • independent insurance agent(5)
  • insurance quotes(4)
  • florida drivers(4)
  • auto insurance(4)
  • pensacola insurance agent(2)
  • liability insurance(1)
  • insurance premium(1)
  • homeowners insurance(1)
  • premium audit(1)
  • rental car insurance(1)
  • homeowner's insurance(1)
  • insurance audit(1)
  • workers compensation(1)
  • liability(1)
  • florida homeowner(1)
  • independent agent(1)
  • insurance quote(1)
  • bbb.org(1)
  • insurance policy(1)
  • replacement cost(1)
  • #laborday(1)
  • commercial insurance(1)
  • insurance score(1)

View Mobile Version
Logo

504 S. Fairfield Drive Suite A-1
Pensacola, FL 32506
Ph: 850-457-3299
Fx: 850-457-2181

Facebook Icon Twitter Icon
© Copyright. All rights reserved | Powered by Insurance Website Builder