Living and working in Alabama involves dealing with the potential for natural disasters, which often include significant flooding. If you’re running a business in the state, you might be wondering if your commercial insurance includes flood protection. The answer is typically no. You will generally need a separate flood insurance policy for added protection and peace of mind. At Robinson Insurance Group LLC, we’ll work with you to determine which high-risk industries benefit most from flood insurance to minimize your risks year-round.

Hospitality

Those working in hospitality near beaches, city centers, or rivers may be more likely to experience flooding and/or water damage. To protect guests, obtaining a flood insurance policy can provide tranquility when it comes to liability and repair costs.

Restaurants

Dealing with a flood as a restaurant or café owner can be devastating without a proper insurance policy in place. Flash flooding can occur unexpectedly, damaging interiors, refrigeration systems, and even food inventory or ingredients, resulting in prolonged closures.

Auto Dealerships

From car washes and garages to auto dealerships, flood insurance is always recommended. Just one unexpected flash flood can cause devastating losses to your entire inventory without a proper policy in place.

Manufacturing

Manufacturing and warehouse businesses are often situated in areas that are more prone to flooding. Equipment, materials, and entire inventories are at risk of being destroyed without flood insurance in effect.

While obtaining flood insurance isn’t always required by law, it’s highly advisable for any business owner living and working in Alabama. The right flood insurance policy can protect against major liabilities, natural disasters, and unexpected water intrusion incidents. To learn more about flood insurance and to determine if a flood insurance policy is right for your business, contact Robinson Insurance Group LLC for your consultation today.

If you’re a homeowner looking to protect yourself from the financial liability of flood damage, you might be considering flood insurance. Understanding the benefits of flood insurance and who needs it can help you decide if this type of insurance is right for you.

The professionals at Robinson Insurance Group LLC, which serves Alabama, are here to answer your questions. We provide information about various insurance types, including flood insurance. Here’s what you need to know.

What Is Flood Insurance?

Flood insurance is a type of coverage that can help you recover from damage after a flood. Typical home insurance policies don’t cover floods, so you may benefit from flood insurance if you live in a high-risk flood area.

Flood insurance is essential for recovering from major storms that cause flooding and can help people who lack the funds to rebuild their homes fully after a flood.

Is Flood Insurance a Requirement?

If you’re buying a home in an area that’s at high risk for floods, your mortgage lender may require you to get flood insurance. Your mortgage lender will inform you if flood insurance is a requirement for borrowing money to buy the home you want.

Even if flood insurance isn’t required, perhaps because you’re planning to pay for your house in cash, flood insurance can still provide you with peace of mind as a homeowner. Flood insurance can pay to rebuild your home’s structure and replace destroyed belongings.

Do you need flood insurance? The professionals from Robinson Insurance Group LLC, servicing Alabama, can help. We assist homeowners in finding the flood insurance policy that’s right for them. We can help you find the policy for you.