The Brignac Group is a full-service, independent Baton Rouge insurance agency.
Floods usually strike without warning. They occur in all 50 states. With the construction of more roads, shopping malls, homes and businesses, the chance of flooding increases. Thousands of families lose their homes and belongings every year - and they never see it coming. Are you insured against such a hazard?
Truth be told, you can live miles away from water and still be a victim of flooding.
According to the National Flood Insurance Program (NFIP), more than 1 out of 5 flood claims occurs outside of the mapped high-risk areas. Just a few inches of flood water in your home can cause tens of thousands of dollars in damage.
Flooding is NOT covered in a standard homeowners, renters or business insurance policy. But do not fret, fortunately, flood insurance is available to almost everyone.
Contact at The Brignac Group when you want genuine service and a trusted insurance partner for your flood insurance. We are the final piece to your flood insurance puzzle.
Unless your lender requires flood insurance when making, increasing, extending or renewing a loan on a building in a high-risk area (which there is no waiting period), flood insurance does not go into effect immediately. Typically flood insurance policies have a 30-day waiting period from the date of purchase.
Also many people believe federal disaster assistance will cover them. NOT ALWAYS! The President of the United States must first declare a flooded region “a federal disaster area” before federal disaster assistance can be made available to property owners. Not all flood events result in a presidentially declared disaster. Federal Disaster Assistance is not always available. Lastly, any federal disaster assistance you receive is usually a loan that has to be repaid with interest.
Physical damage to your building or personal property “directly” caused by a flood is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. If the backup is caused by some other problem, the damages are not covered by flood insurance.