Don’t Assume Your Property Insurance Covers Flood Damage in Cary, NC

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 Cary, NC). 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 Cary, NC?

However, once it’s there, if you need help with an assessment of water damage in your home, contact us. Call the best flood damage mitigation company in Cary, NC. We can help, and the insurance will cover it

Cary, North Carolina, is a thriving town located in the heart of the Research Triangle, positioned between Raleigh and the cities of Durham and Chapel Hill, making it one of the most desirable places to live in the state due to its strong economy, excellent schools, and high quality of life. Originally settled in the 18th century, Cary began as a small railroad town in the mid-19th century, named after Samuel Fenton Cary, a prohibitionist and congressman from Ohio, and its growth accelerated with the arrival of the North Carolina Railroad, which transformed it into an important transportation hub. Over the years, Cary has evolved from a quiet farming community into a dynamic suburban center with a population of over 175,000 residents, drawing in families and professionals with its blend of modern amenities, scenic parks, and a strong sense of community. One of the standout attractions in Cary is the Koka Booth Amphitheatre, an outdoor venue set against the backdrop of Symphony Lake that hosts concerts, festivals, and movie nights, while the Cary Arts Center serves as the cultural heart of the town, offering art exhibitions, theater performances, and creative workshops. The Page-Walker Arts & History Center, housed in a restored 19th-century hotel, provides a glimpse into the town’s past and serves as a venue for art and heritage programs. Outdoor enthusiasts can enjoy the vast green spaces of Bond Park, featuring hiking trails, a lake for boating and fishing, and playgrounds, while Hemlock Bluffs Nature Preserve offers serene nature trails and a chance to see the rare Eastern Hemlock trees unique to this part of North Carolina. Cary is also home to WakeMed Soccer Park, where soccer fans can watch North Carolina FC and the North Carolina Courage play professional matches, and the USA Baseball National Training Complex, which hosts amateur and professional baseball events. The town is also known for its vibrant dining scene, with a variety of restaurants offering everything from Southern comfort food to international cuisine, including a growing number of Asian and Indian eateries reflecting the town’s diverse population. Shoppers can explore the upscale boutiques at Waverly Place or take a short drive to nearby Crossroads Plaza and Park West Village, which feature major retailers and local specialty shops. Cary hosts numerous community events throughout the year, such as the Lazy Daze Arts & Crafts Festival, one of the largest juried arts festivals in the Southeast, and the Chinese Lantern Festival, a stunning holiday tradition featuring illuminated lantern displays at Koka Booth Amphitheatre. With its combination of historic charm, modern conveniences, ample recreational opportunities, and a welcoming atmosphere, Cary continues to be one of the fastest-growing and most appealing places to live and visit in North Carolina.

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