Khalsa Insurance Agency
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FLOOD Insurance...
Hurricane Katrina is a horrific wake-up call to homeowners and renters nationwide who don't have flood insurance.

Only 40% of the residents in the flooded areas were covered by a policy, according to the Federal Emergency Management Agency (FEMA). Most of those who did were required to have flood insurance in order to obtain a mortgage.

The 60% of folks who didn't have flood insurance fall into two categories: They were either renters, and therefore not required to purchase the insurance (although they could have), or they were homeowners with no mortgage (who also had the choice but not the requirement of purchasing coverage). Needless to say, this uninsured group faced a grim reality. Regular homeowners' and renters' policies cover damage from wind or rain water that comes from above but not water that comes from below. These folks had to rely on federal disaster aid to repair the damages.

Is your home at risk for flood damage? If so and if you don't already have a policy now's as good a time as any to act. Fortunately, flood insurance is relatively inexpensive, and purchasing a policy is simple.

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