Looking for Flood Insurance in Kansas City Metro and Beyond?
When most people think of a flood, they might think of massive coastal events like Hurricane Katrina or Hurricane Sandy. These were devastating storms that caused billions of dollars in damage.
In reality, most floods are caused by far less catastrophic situations. It only takes a few inches of standing water to cause tens of thousands of dollars in property damage. If you’re looking for flood insurance in the Kansas City Metro, we’ve got you covered.
Did you know that every single house in the entire country is technically in a FEMA flood zone? Some zones simply carry a higher risk than others. In most situations, there is a 30-day waiting period when you purchase flood insurance—so it is vital not to wait until a storm is on the horizon.
Homeowners Insurance Does Not Cover Flood Damage
Whether you live on the Kansas side, the Missouri side, or any other part of the region, flood insurance must be purchased as a separate, stand-alone policy. It is not covered by your standard homeowners insurance.
Flood insurance policies can also reimburse you for the preventative work you and your family do to protect the home, such as sandbagging, moving furniture, or removing debris.
- Required Coverage: If you live in a high-risk flood zone, your mortgage company will likely require you to maintain a flood insurance policy.
- Optional Coverage: If you live outside a high-risk zone or no longer have a mortgage, flood insurance is optional—but still a wise investment for protecting your equity.
How to get started on your Flood Insurance quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!