Page 21 - Tennessee 811 Magazine 2020 Issue 2
P. 21

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had a eall the other day trorr. house or office hui1ding(bztause nood Likzly. prohahility. roiential. now do
a eustotner who was stnolring is flood — personal or husiness) is nol you ever ieel secure?
mad—his house got flooded ina inauood zone. the hanlt is nol going to wh 1 1k. b I _
rainstorrn, and his agent told hitn require flood insuranee. Thais right —— if .l°“V°“ 3'“ 3 _“‘€‘ 3"‘ ‘‘’“‘;§“
it wasn'I eoyeredl the address [or whieh ihe loan is for ‘”"‘.Y°“”€€"“a{*y°“"“‘"”‘* '“
happms (D M Dwdg of 3 ..high risk. hearing whats ayailahle Io get or only
Nope. Probably wasni. , .. what you have In gel? If you just ask
aone. youll never hear the words Flood ,
. . . . _ .. ahoui what you have to have to satisfy
\D\I see It on Tv all the umz: here lnsurancerequuzmznls. mmlnmdosin N mm” om
eornesalaig rain, water easeades down U. I . h . h . k 3 ,1 llgh
. . snlgtlescznanoa oyeiust eeause not goingto noww atyoueou aye
asrnall lull hehind ihe houses, through , . . ,
the hanlt doesnt require it doesnt rnean to protest that large rnyesirnent you are

‘1""°“‘Y-'*“‘*‘~“'°“‘*'”"““"d ou wonlwish ou had it al soine oint ahoui to tnalte

into the nein lront yards. water [laws any dmimEaxmmdcamha_ nfim ‘ ‘

down like Niagara Fa1ls—0K, tnaylae W m En F1WdZmsdEa|11j_mh unless FEMA requires it, the laanlt,

not Ihat tnueh. hul enough to noiiee,— {hg fggfibmf DUNN“ flood dam E who's also in as higalwuny as you are.
enough to wash out your yard. [I gels P Y ‘3 5 ' doesn't eare wheiher you get nood

into the houses. usually in a new l-‘EMA elassilies risk lay using three insurance AND unless Flood lnsuranee
suhdiyision, and heres the newseasier orerarehing flood zones hased on the is for a loan elosing. youre gonna have

holding a suit in [mm oia horneowner liltelihood onlooding in that arza: a 30 day wait I0 get il anyway. They're

whos saying, ‘And insuranee wont pay _ .  . a lot more interested in proteeiing

[or Ihis. i don't know what were going ‘‘‘3" “‘k " 5P"‘“' “°°“‘ “‘“”" their interesis (their eollateral) than in

to do.' A"“‘5 3" 1°“"5 " “V " “°°d proteeiing your interesis. That's up In

insuranee is iederally rzquired. zone

whai kind or insuranee doesn't eoyer v is the rnost hazardous flood zone, >’°“‘

Hood? and it is usually round in heaehiront cheap insuranee is not eheap. But it

EVERY kind ofimmm dogs“ and eoastal areas. heeones even more erpenswe when It

, . doesnt eoyer wlwal vou need eoyered

eoyer ilood. ltsaeornpletely separate - lvloderatenslt areas are zonesa when on nm“m»m_Ed

poliey — and llwafs the only risk it and x. Y ’

does eorer. Flood is nev2r“included" _. _ . Your horne. your husiness property—

in a horneowner or propeny polity. L°‘V" '51‘ 3"“ 3" Z°"" “ 3"“ X’ that's whai you work all your lile to

Ever. The only plaee Io even get Flnod Obviously, the nearer you are In water, havz and enjoy. This is not the plaee to
lnsuranee is the Federal Governmznl. the liltelier ou are In have water har ain hunt.

3’ E
voulr afgent. or eourse. is where you da.naging your propeny. The furlher M hm hm WW agent explain WW5
app y or it. away you are irotn water — eoastline, . » _ .
. . ayarlahle to you In pmlztt eyerytlung
. . , ., rwer. pond, strearn—ihe less hltely you .
where to s(ar(:‘\V1wDs at lauli. who to . you ye gal!
“am, will have flood darnage. But donl let ihe
* word “1ikely' lull you into a falsz sense he. the [acts help you deeide. W
Lets ‘'blame' the bank. They require of seeurity. There's No area totally free
are insuranee. dc-n'l Ihey? But, if the of the poiential ior Hood.
2020 issue 2 unnssssssn . 19











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