DID YOU GET YOUR $1,000 FROM FEMA

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.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Mappus Insurance Agency Inc. is here and ready to make the process as painless as possible. We look forward to meeting you!

Call Email Claims Payments
Skip to content