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FEMA Recommends A Flood Insurance Review

The Federal Emergency Management Agency of FEMA is encouraging those that live in flood-prone areas to review their flood insurance coverage.  In a press release from FEMA, they warn – quoting – ” According to the National Weather Service, there is the potential for Missouri to experience serious flooding again in only a few weeks. Last year’s damage repairs are ongoing, while emergency managers, meteorologists, engineers, farmers, and residents monitor weather forecasts, anticipating another spring flood season.”

FEMA says its National Flood Insurance Program (NFIP) is a great way to protect your home, business, or personal property. According to NFIP, just six inches of water can cause $52,000 in damage to your home. Statewide, NFIP paid more than $70 million in flood insurance claims to Missouri policyholders for damage in 2019.

Individuals and business owners are encouraged to look over their own emergency plans and update as necessary to ensure they are sufficiently prepared. Ask these crucial questions:

  • If you already have a policy – is your coverage amount adequate?
  • Do you have BOTH structure and contents policies? These are separate coverage policies and amounts.
  • If you rent, you can buy coverage for your personal property. Ask your agent about renter’s flood insurance.
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