Your home is likely the largest investment you will ever make. Protect this investment by having adequate insurance coverage and making necessary modifications to lessen or prevent disaster damage. In West Virginia, flooding is the most common type of disaster.

—Homeowner’s insurance does not cover flood damage. Remember that just because your home loan lending institution does not require flood insurance, does not mean your home will never flood.

—Because the National Flood Insurance Program is supplemented by the federal government, flood insurance premiums are quite affordable.

—Flood Insurance is the only way to have a full recovery from a flood disaster. Disaster assistance is not always available following a flood. The assistance is often a low-interest loan.

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