Hurricane season is here and the state's Bureau of Insurance is reminding VIrginians that most hurricane damage comes from flooding, not high winds.

If you live in a designated flood zone, you are required by law to have flood insurance, but flood insurance is a wise investment no matter where you live in Hampton Roads.

In November 2009, a Nor'easter ripped the coast of Hampton Roads with wind and rain.

"It was not a hurricane, but it was a flooding event that went on for three days," said Lenny Newcomb with the Norfolk Planning Department.

It caused $15 million worth of damage alone in the city of Norfolk.

"$15 million worth of claims should convince people that flood insurance is a commodity that they cannot afford to be without," said Newcomb.

The map designating flood zones in the city of Norfolk was revised two years ago.

"We added over 3,300 properties that were not in flood zones before," said Newcomb.

In fact, due to a rise in sea level, almost 40 percent of the properties in Norfolk are now in designated flood zones.

"We had an event back in 2009 before the Nor'easter where we had something like seven inches of rain dropping on our city within two hours. We had a lot of properties flooded that were not even in flood zones," said Newcomb.

If you do purchase flood insurance, read your policy and know the limits of your coverage.

"It covers your structure. It doesn't cover your cars. Another thing that people frequently don't appreciate, their car will be flooded out and they think their flood insurance covers it. It does not," said Newcomb.

You must also purchase additional coverage for furnishings, and other personal possessions. Sewer back-ups are also extra if you want it covered in your policy, but flood insurance will still save you money in costly repairs.

Also, experts say don't wait for an approaching storm to buy flood insurance. In most cases, there is a 30-day waiting period for a flood insurance policy to take effect.

Contact us today for a free Norfolk flood insurance quote.

Source: MSNBC
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