No. And this mix-up costs Georgia homeowners real money every single storm season. Patriot Independent Insurance Partners fields this question constantly, usually right after someone’s basement has already taken on water, which is exactly the wrong time to find out the answer.<\/p>\n
Standard home insurance handles a lot: fire, wind, hail, theft, that burst pipe in your upstairs bathroom. What it doesn’t handle is water that rises up from outside and comes in, whether that’s a swollen creek, heavy rain overwhelming the storm drains, or a hurricane pushing storm surge inland. That kind of water damage falls under a completely separate category, and your home policy simply excludes it.<\/p>\n
Flood insurance is its own standalone product, typically backed by the National Flood Insurance Program, though private options exist too. It’s built specifically to handle the scenario your home policy won’t touch: water entering your property from the outside due to flooding.<\/p>\n
If you’ve never actually asked whether your property needs flood insurance separate from your standard policy, that’s a conversation worth having before the next big storm, not during it. Patriot Independent Insurance Partners works with homeowners across Georgia to sort out exactly where one policy ends and the other needs to begin. Check out our flood insurance page<\/a> or give us a call to talk through your specific property.<\/p>\n","protected":false},"excerpt":{"rendered":" “Wait, Isn’t Flood Insurance Just… Home Insurance?” No. And this mix-up costs Georgia homeowners real money every single storm season. Patriot Independent Insurance Partners fields this question constantly, usually right after someone’s basement has already taken on water, which is exactly the wrong time to find out the answer. What Your Home Insurance Actually Covers […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[6,8,5],"class_list":["post-89","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-georgia","tag-home-insurance","tag-patriot-independent-insurance-partners"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t