Here in Virginia hurricane season runs from June 1st to November 30th with the peak period from early August through the end of October. Although predictions for hurricane season in Virginia Beach and surrounding areas varies each year, you should be prepared. The following is a quick list of Virginia hurricane resources and tips to keep on hand.
Virginia Hurricane Reference List
Information when you need it:
- Preparing for Virginia Hurricanes: https://www.vaemergency.gov/prepare-recover/make-emergency-plan/
- Virginia Storm Surge Maps: https://www.vaemergency.gov/prepare-recover/threats/hurricane-storm-surge-maps/
- Virginia Hurricane evacuation: https://www.vaemergency.gov/wp-content/uploads/drupal/hurricaneEvacBOOK_map.pdf
- Virginia Local Emergency Managers Directory: https://lemd.vdem.virginia.gov/Public/Default.aspx
- Virginia Emergency Preparedness Mobile Phone Apps: http://www.govtech.com/e-government/Virginia-Releases-Emergency-Preparation-Smartphone-App.html
Virginia Flood Insurance Coverage
Waiting for hurricane damage to occur is not the best time to learn about what is covered. Your homeowner’s policy alone does not cover flood damage. In Hampton Roads, you will need a separate flood insurance policy. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Review your policy now. According to FloodSmart.gov you should ask your insurance agent the following questions:
- What flood zone do I live in? What is my property’s flood risk?
- Is flood insurance mandatory for my property? Will the lender require it?
- Even if flood insurance isn’t required by my lender, do I still need it?
- Do I qualify for a Preferred Risk Policy?
- Does my community participate in the NFIP Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
- What will and won’t be covered against flood damage?
- Will my flood insurance policy be backed by the federal government?
- How much coverage should I get for my building and for my contents?
- What options do I have to reduce my premium?
- Are there additional expenses or agency fees I should be aware of?
- Will my policy provide Replacement Cost Value or Actual Cash Value? And what is the difference between the two?
- Who should I call if I have a flood claim?
- How can I pay for my policy?
- How will my policy be renewed?
Keep in mind that new policies typically have a 30-day waiting period from date of purchase before your policy goes into effect. Do not wait to purchase your Virginia hurricane insurance. Review your hurricane and flood insurance policy now.
For even more general information about flood insurance, read FEMA’s summary of the National Flood Insurance Program. This guide will help you choose and evaluate the best flood insurance program to keep you and your family safe.
To view the document visit: https://assurant.floodpro.net/FPShared/SummaryOfCoverage.pdf
In addition to ensuring you have proper coverage you will need to take a few steps to streamline the claims process in the event damage occurs.
- Keep insurance policy and contact numbers on hand
- Photograph your home and belongings before a storm
- Document and photograph flood damage before touching anything
For more information on flood insurance, visit FloodSmart.gov.
At WBR Insurance we offer a full portfolio of policies, including hurricane / flood insurance for Virginia residence. We pride ourselves in establishing personal relationships with our customers to assist you in protecting what matters most. To get a free quote for your Virginia hurricane insurance needs, give us a call at 757-340-0028.