-
Address: 1407 Stuart Engals Blvd, Mt Pleasant, SC 29464
-
Phone: (843) 763-4200
-
Email: hello@mappusinsurance.com
Many people are unaware of a coverage that exist on flood policies that allows you to get $1,000 back from FEMA even if you don’t have a flood loss. WHAT?! Yes, that is correct. You can receive $1,000 for reasonable expenses associated with mitigation a flood loss from occurring. Keep reading further to understand the details and how South Carolinian’s can receive this money.
WHAT’S COVERED UNDER A STANDARD FLOOD INSURANCE POLICY?
National Flood Insurance Program flood policies will cover up to $1,000 in reasonable expenses incurred to protect a policyholder’s insured property, and up to $1,000 to move the policyholder’s insured property away from a flood or imminent danger of a flood. To be eligible for this benefit, the insured property must be located in a community where:
- a general condition of flooding in the area exists; or
- an official has issued an evacuation order or other civil order for the community requiring measures to preserve life and property from flooding.
WHAT IS ELIGIBLE?
EXPENSES TO PROTECT PROPERTY
- Sandbags (including the sand to fill them)
- Fill to create temporary levees.
- Water pumps.
- Plastic sheeting and lumber used in connection with any of these items listed above.
- Labor – a policyholder may claim labor, including their own or a family member’s labor, at the federal minimum wage. Labor charged by a professional may also be reimbursed.
EXPENSES TO MOVE PROPERTY TO SAFETY
- Up to $1,000 for the reasonable expense to move insured property in order to protect it from flood, or the imminent danger of flood.
WHAT DO POLICYHOLDERS NEED TO KNOW?
- Personal property that is moved must be placed in a fully enclosed building or otherwise protected from the elements.
- Any property removed, including a moveable home (that meets the definition of a building in the flood policy), must be placed above ground level or outside of the special flood hazard area.
- Property removed is covered by a policyholder’s flood policy for 45 consecutive days from the date the move begins.
- A deductible does not apply to these limits.
- The coverage does not increase the policy limits of the liability.
Not a Mappus client yet? Want to see how we can help you? Complete the form below.
Best insurance experience! Our agent Brooks Berry demonstrated very knowledgeable professionalism! Not only did he explain everything to us in great detail, but he was...
in the last week
Nigora Djumabaeva
Excellent service while shopping for our homeowners insurance. Brooks Berry at Mappus insurance helped us find an affordable policy with great coverage. He gave us...
a month ago
Brady Vriens
I have used Mappus for four years and have only had pleasant and helpful experiences. Carissa is always available to advise me on what the...
in the last week
Ellis Keim Sisto
Our agent is Donna Kincaid and she is the best! She truly cares and is someone I totally trust! She always responds to questions and...
2 months ago
Shannon Noble
Gretchen made the process of bundling both home and auto so easy for me. She not only discussed with me the best options, but compared...
2 months ago
Lindsey Glenn