If you live in an area of Nashville, NC with significant flood risk, you’re probably thinking of calling Hedgepeth-Hutson Insurance Services, Inc., but before you do that, there are a few things you’ll want to know.

• If you live in a high-risk flood zone, you might be required to buy flood insurance by your mortgage lender. Home insurance is rarely a legal mandate, but lenders can, to an extent, write their own rules in this regard. 
• Even if you’re not in a high-risk flood zone, that doesn’t necessarily mean that you won’t be severely affected by a flood. If you are near a high-risk area, it only takes one foot of water to cost tens of thousands of dollars in damages to your home.
• You can generally find out your risk level by asking an insurance agent. Let them know where you live, and they’ll tell you if you’re in a high-risk flood zone.
• You can lower your rates by being flood-ready. Some of these measures may be expensive and difficult, like raising your home’s floor level, while others may be quite simple, like keeping your gutters and pipes clean.

As with any insurance policy, it’s important to remember that this is a backup plan. If you’re still home-shopping in Nashville, NC, it might not be a bad idea to check an area’s level of risk before buying.

If you’ve covered your bases, go ahead and get in touch with Hedgepeth-Hutson Insurance Services, Inc. through email or by phone and see what we can do for you. A flood can wipe out a home’s value in minutes, and your home insurance probably won’t cover it. Hedgepeth-Hutson Insurance Services, Inc. will.