After all the recent flooding it is important to be familiar with flood insurance coverage

Tennessee
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TDCI wants its consumers to be familiar with flood insurance coverage and other surrounding factors to be aware of in the event of a flood. 

TDCI wrote a report earlier in February after flooding took place across Tennessee. In wake of Saturday’s flooding and the damage it caused, we are On Your Side helping everyone to be familiar with flood insurance. 

According to FEMA, flooding is the most common and expensive type of natural disaster in America. Data pulled from a 2016 FEMA report shows that many Tennesseans do not have flood insurance.

Flood insurance can be purchased through an agent or insurer participating in the NFIP, which FEMA manages. If your agent or insurer doesn’t have flood coverage available, contact the NFIP Referral Call Center at 1-800-427-4661.

They also advise that there are few areas throughout Tennessee that do not participate in the NFIP program; therefore, if your community does not participate, FEMA assistance is not available. If unavailable, contact your insurance agent and ask about private flood insurance. 

The FEMA flood map service allows you to determine your flood risk. There are three flood risk categories: High-risk areas, moderate- to low-risk areas, and undetermined risk areas.

Here is a list that TDCI provided of what you should do in the event of a flood:

  • Have a plan
  • Prepare your home
  • Store your insurance information in a safe place
  • Take pictures of any property damage
  • File a claim
  • Beware of fraud
  • Beware of flooded vehicle scams

For more information, consumers are encouraged to watch TDCI’s flood insurance video or visit tn.gov/commerce.

You can learn more about disaster preparedness at Insure U, the NAIC’s consumer education website. 

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