Protect Yourself from a Flood Disaster

2024 was a year filled with flood disasters from hurricanes, extreme rain events, swelling rivers leading to mudslides, loss of property and loss of life. Even a small flood could lead to extensive repair costs to your home and business.  According to the Federal Emergency Management Agency (FEMA), just 1 inch of flooding could cause $25,000 in damages which are not covered under property insurance.

Many states are working to address the challenges of flooding with initiatives aimed at enhancing mitigation efforts and encouraging property owners to invest in flood-resistant upgrades.  Communities are adopting programs to incentivize flood risk reduction, such as grants for flood-proofing homes or community-wide flood management strategies.

You can protect your home and business from flooding with proactive measures and preparedness strategies.

Elevate Your Home - This can help prevent water from entering your living spaces during a flood.

Install Flood Vents -: Flood vents allow water to flow through the structure which reduces the pressure on walls and foundations to minimize structural damage.

Implement a Drainage System - Installing gutters, downspouts, and drainage ditches will direct water away from your property. Regularly clean gutters and drains to prevent blockages that lead to water overflow.

Purchase flood insurance – Flood insurance will provide financial resources for repairs to your property and belongings.

Many entities are working to make flood insurance more accessible with easier enrollment and more educational resources. FEMA has implemented a new pricing methodology called Risk Rating 2.0 for the National Flood Insurance Program (NFIP) which has greatly impacted flood insurance rates, but has streamlined the rating process.

Private flood insurance policies can provide coverage for both residential and commercial properties. They may offer more flexible coverage options than NFIP, including higher policy limits, excess coverage, and additional protections for personal property, loss of use, business interruption coverage, and additional living expense to assist while the structure is being repaired. Premiums for private flood insurance vary based on the specifics of the property and the coverage selected. In some cases, private policies may be more affordable than NFIP rates, especially for properties with lower flood risk.

Consult with a knowledgeable insurance agent to understand your options for the best available protection. Carefully review the terms and conditions of your policy.

Angelyn Treutel Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at www.southgroupgulfcoast.com, (228) 385-1177, or azeringue@southgroup.net.

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our convenient locations!

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, Florida, and many other states. We specialize in coastal exposures.
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