Insurance expert explains coverage post-flood

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MADISON COUNTY, Ala. (WHNT) - Following severe weather, many look to their insurance companies. But it's important to know who can help.

Roszell Gadson with the public affairs office of State Farm insurance gives tips and explanations on what's next for those recovering.

"It's important to make sure you understand what you're covered for and to make sure you have the proper amount," said Gadson.

Flooding Insurance

He explained that flooding coverage is not part of a home insurance policy, but instead through FEMA and the National Flood Insurance Program.

He says some insurance agents may be able to help you get a policy, but that protection, and in this case, aid will come from the federal level.

"This is another example of why it's so important o make sure you have a home inventory," he said.

Car Damage

Tons of people drop their comprehensive car insurance to save a buck, but that full coverage can save you. That goes for drivers who drove across water-covered roads, around barricades, as well as those whose cars flooded in their driveways.

"If you have comprehensive coverage on your vehicle and you find yourself on a flooded road then certainly your comprehensive coverage should take care of the damage that occurred to your vehicle," he explained.

Additionally, you are discouraged from starting the car until its been checked by a professional.

It is recommended that you evaluate and document the damage to your house and car, including the water levels, and stay aware of your policy year-round.

Gadson also mentioned that this is proof that residents who don't live in 'flood-prone areas' should still seek out flood coverage for their personal items, including their home.

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