Don’t Assume Your Property Insurance Covers Flood Damage in Hiram, GA

For most people, insurance policies are something that brings peace of mind. For example, suppose a car gets into an accident, or someone gets sick and needs medical treatment. In that case, insurance is a way for money to be available that doesn’t have a massive impact on personal finances.

The same, of course, is true for property insurance, where home and business owners get that same sense of reassurance that if a property is damaged, insurance money is there to help with the recovery. However, while most people would consider a flood an “act of God” or a “natural disaster,” insurance companies tend to view things differently.

Flood Insurance Is Not "Standard"

Insurance policies can be large, complex, comprehensive, and challenging to understand. Many people just want to know that as long as they make their monthly payment, the insurance company will step in during a storm, fire, water, or flood emergency to provide financial help.

In the case of home or business insurance, this usually means accidents or other “acts of God.” A storm hitting and damaging a house, for example, is covered by conventional insurance policies. Even when the source of an accident is a human agent, such as an accidental fire started by a child playing with a lighter or matches, insurance will still cover it.

It’s easy to see why a flood, a natural disaster, would be assumed to be included in an insurance policy. Floods, after all, are no one’s fault. They just happen, and buildings that happen to be in the path of a flood are the victims of an age-old type of natural catastrophe.

However, the big surprise for many here is that flooding, while well-established over centuries as one of the oldest natural disasters, is not necessarily considered for automatic coverage by insurance companies.

Look For Flood Insurance Coverage and Ask For It Specifically

This is not to say that flooding isn’t covered by insurance (Learn more about flood damage restoration in Hiram, GA). The opposite is true, with most insurance companies offering some kind of flood coverage. However, the trick is that flood coverage does not become a standard part of home or business insurance. Floods can, in some ways, cause even more damage to a property than fire. As a result, recovery from a flood brings its own unique set of considerations and finances to factor in

This means that for people who want to be sure they have an insurance policy covering flood water damage, you need to be proactive about getting it.

For some, this may mean asking for—and getting—additional riders that can be added to an existing comprehensive insurance policy. Others, however, may have to get an entirely separate, flood-specific insurance policy for the same property.

Flood insurance, unlike typical property insurance, is not required in Ohio. Florida is a different matter, where some parts of the state flood annually and have mandatory requirements. It would be best if you were willing to ask for it and pay an additional premium for it in many cases.

Need Flood Cleanup Help in Hiram, GA?

However, once it’s there, if you need help with an assessment of water damage in your home, contact us. Get a flood damage repair estimate in Hiram, GA. We can help, and the insurance will cover it

Hiram, Georgia, is a charming and rapidly growing city located in Paulding County, about 30 miles northwest of Atlanta, known for its welcoming community, rich history, and blend of suburban tranquility with modern amenities. Originally established in the late 19th century and named after Hiram Baggett, an early settler and postmaster, Hiram has evolved from a small agricultural community into a vibrant residential and commercial hub. The city's development was significantly influenced by the arrival of the Southern Railway, which spurred economic growth and connectivity. Today, Hiram retains its small-town charm while offering a variety of conveniences and attractions for residents and visitors. One of the main points of interest in Hiram is the Silver Comet Trail, a multi-use trail that stretches over 60 miles from Smyrna to the Georgia-Alabama state line, passing through the heart of Hiram. This scenic trail is popular among cyclists, joggers, and walkers, providing a peaceful escape into nature and connecting various parks and communities along its route. Another notable site is Ben Hill Strickland Sr. Memorial Park, a community favorite that offers a range of recreational facilities, including walking trails, playgrounds, sports fields, and a picturesque lake for fishing and picnicking. The park is also home to the Hiram Farmers Market, where locals can purchase fresh produce, handmade crafts, and other goods, fostering a sense of community and supporting local businesses. For those interested in local history, the Hiram Rosenwald School, an early 20th-century school building, stands as a testament to the area's educational heritage and is an important cultural landmark. Shopping and dining options in Hiram are abundant, with the Hiram Pavilion and the nearby Avenue West Cobb offering a variety of retail stores, restaurants, and entertainment venues. From casual eateries to fine dining establishments, Hiram caters to a wide range of culinary tastes, making it a delightful destination for food enthusiasts. In addition to its parks and shopping centers, Hiram hosts numerous community events and festivals throughout the year, such as the annual Christmas tree lighting and holiday parade, which bring residents together to celebrate and create lasting memories. The city's proximity to major highways like U.S. Route 278 and State Route 92 makes it easy for residents to commute to Atlanta and other neighboring cities, while still enjoying the peaceful, suburban atmosphere of Hiram. The quality of life in Hiram is enhanced by its excellent schools, safe neighborhoods, and strong sense of community. Residents have access to top-notch healthcare facilities, recreational programs, and a range of housing options, from charming historic homes to modern developments. For those seeking outdoor adventure, nearby attractions such as the Pickett's Mill Battlefield State Historic Site offer opportunities to explore Civil War history and enjoy hiking trails amidst beautiful natural surroundings. Hiram's commitment to preserving its heritage while embracing growth and development makes it a unique and appealing place to live, work, and visit. Whether enjoying the scenic beauty of the Silver Comet Trail, participating in community events, or exploring local history, Hiram offers a fulfilling and enriching experience for all, making it a standout community in the greater Atlanta area.

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