Flood victims seek insurance after severe flooding - WFXG FOX54 Augusta - Your News One Hour Earlier

Flood victims seek insurance after severe flooding


From the looks of it, you probably couldn't tell a storm washed out the corner of this North Augusta apartment complex. But just yesterday, flood waters reached the top of cars and filled first floor apartment homes.

As residents like Mike Hawkins assess damages left by the flood, they're also calling on insurance agencies.

"Our company at the time, they wouldn't cover this place," Hawkins said. "They said the flood insurance wouldn't cover this place. So we couldn't get the flood insurance."

Many of Hawkins' neighbors say they had renter's insurance, and had no idea they weren't protected in the case of a flood.

"A homeowner's policy doesn't cover flood," said Harold Fields, an insurance agent for Fields Insurance in North Augusta. "You have to have a separate flood policy."

Several insurance agencies in the area say they issue flood insurance through the government. Policies with the National Flood Insurance Program will cover your building first. Things like carpeting, air conditioners, water heaters or built in appliances like stoves or dishwashers. Policies can also cover your personal possessions, like clothes, furniture and electronics. But you have to be covered before those waters rise.

And insurance agents say residents should know premium rates on flood insurance can be higher for propertY in special flood hazard zones. The county will designate areas as low, moderate or high risk areas.

Hawkins lives in a "moderate" flood zone, and is deciding whether or not he and his wife will stay.

"Our lease is up in a couple of months, so you know," Hawkins said. "I like the place, but who knows."


National Flood Insurance Program

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