At Smith Insurance Agency of West Virginia, we take pride in keeping our clients informed and up-to-date with their home insurance. Whether you live in Kingwood, WV, or elsewhere in the region, if you have questions about your home insurance, we are here to help.

One area of growing concern is flood insurance. It’s important to understand that flood insurance is typically not included in standard homeowners’ insurance policies. Flood insurance is generally an optional add-on. However, there are situations where flood insurance may be required.

Your Property Is in a High-Risk Flood Zone

If you live or own property in a high-risk flood zone, you are likely required to carry flood insurance. These zones can expand over time due to climate change, increased storm severity, and the growth of commercial and residential developments. More homes in West Virginia may now be at risk of flooding.

You Have a Government-Backed Loan

If your home is financed with a federally backed loan, you may be required to have flood insurance, especially if your property is located in a high-risk area.

Your Mortgage Provider Requires It

Depending on the location of your property, your mortgage provider may require you to carry flood insurance.

Keeping Your Homeowners’ Insurance Up-to-Date

It’s essential to review your home insurance regularly to ensure your coverage is adequate and up-to-date for changing circumstances. If you live in the Kingwood, WV, area and haven’t reviewed your home insurance in years, contact us at Smith Insurance Agency of West Virginia. We can review your policy, regardless of the original issuing company, discuss your risk for flood damage, and even provide a quote.

With more West Virginia homes at risk of flooding than ever before, it’s crucial to ensure you’re protected. Reach out to us at Smith Insurance Agency of West Virginia today.