Thousands of military service members are stationed at bases in hurricane-vulnerable areas. If you are one of these families, you need a military emergency plan that is well thought out, to protect your family and your property. Remember, may be on deployment and can't be there to manage things during an actual flood emergency.
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Why Your Military Family Needs Flood Insurance

Thousands of military service members are stationed at bases in hurricane-vulnerable areas. If you are one of these families, you need a military emergency plan that is well thought out, to protect your family and your property.

Remember, may be on deployment and can't be there to manage things during an actual flood emergency.

Your family's safety should be the primary concern of your emergency plan; protecting your property with adequate flood insurance coverage should be next.

When purchasing flood insurance as a military servicemember, your main concern is protecting your home. Additional flood insurance is necessary, whether you have homeowner's insurance or a renter's policy.


Flood insurance is a mandatory requirement for homes and businesses located high-risk flood areas that carry mortgages from federally regulated lenders.

If you are a military renter in a moderate-to-low risk flood area, flood insurance is strongly recommended as well.

Some private companies offer a basic kind of flood insurance, but read the policy carefully; for military families in flood-prone areas, basic flood insurance it isn't enough. And oftentimes, basic flood coverage will only be available for high-valued homes in low-risk areas, which may not be your situation.

Since standard homeowners insurance doesn't cover hurricanes, congress created the National Flood Insurance Program (NFIP) to offer financial protection to homeowners, renters, condo owners/renters, and business owners. Find out if your community is one of the 20,500 participants of the NFIP.


National Flood Insurance (NFIP) can be purchased only through an insurance agent. NFIP is a national program and flood insurance rates are set at a fixed price, even if purchased through different insurance carriers.

Depending on the location of your property, you are either at high-risk, or moderate-to-low risk for flooding, and your insurance premium will vary according to your risk. A Federal Policy Fee and ICC Premium are included with all premiums.

National Flood Insurance Program rates are based on the type of construction on your home, the date it was built, and your area's risk level. For a renter, there are other factors such as building occupancy and number of floors.

There is a 30-day waiting period before your newly purchased National Flood Insurance Program policy goes into effect, with few exceptions, so plan ahead to ensure your military family's safety.

Many moderate-to-low risk area homeowners are also eligible for coverage at the Preferred Risk Policy premiums, which are the lowest premiums available through the NFIP.


As with other insurance types, it is essential to know what damages your flood insurance policy covers. The two separate NFIP coverage categories needed to protect your property are building and contents.

Property (building) insurance coverage includes: the insured building and foundation, electrical and plumbing systems, central air conditioning, furnaces, water heaters, refrigerators, cooking stoves, permanently installed carpeting, permanently installed paneling, debris removal, and detached garages. Contents insurance includes: clothing, furniture, electronic equipment, curtains, portable air conditioners, kitchen appliances, and washer/dryers.

Your flood insurance plan and coverage are dependent on the risks associated with your area, so check with your insurance provider regarding your specific level by level coverage under your plan.


There are certain across-the-board damages that aren't covered under NFIP. What's not protected by flood insurance includes: damage that is caused by moisture that could have been avoided by the property owner, currency and stock certificates, property associated with the land such as fences, patios and trees, temporary housing, and cars.

For example, damage caused by a sewer backup is only covered by your flood insurance if the backup is a direct result of flooding and no other cause. Coverage is also limited in basements and areas below the lowest elevated floor. No flood insurance policy will protect the land that your building occupies.


There are two kinds of reimbursement methods for flood damage claims: Replacement Cost Value (RCV) and Actual Cash Value (ACV). Replacement Cost Value is the cost applied to damaged property to single-family, primary residences that are insured within 80% of the building's replacement cost. Actual Cash Value applies to personal property or content, the difference is ACV equals the RCV minus physical depreciation of the object.


For insurance protection, create a record of your possessions, including the dates of purchase, receipts, and serial numbers. Keep this information in a safe place; consult with your JAG office for tips on how to keep these records safe in a hurricane.

Keep all of your insurance policies - including homeowners or renters insurance, military life insurance, and military auto insurance - up to date and adequate to cover the changing needs of your changeable military lifestyle.

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