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Boardman residents can purchase flood insurance

August 14, 2019
J.T. Whitehouse , The Town Crier

Many Boardman homes suffered damage from the severe storms earlier this year. Those who visited the Disaster Recovery Center at the Boardman Township Administration Building were under the impression they could not buy flood insurance to protect themselves.

"We've learned from visitors to the Disaster Recovery Center that some residents believed they couldn't purchase flood insurance through the National Flood Insurance Program (NFIP)," said FEMA public relations specialist Gerard Hammink. "One reason for confusion is that www.floodsmart.gov doesn't list Boardman Township as a participating community, but I'm told that's only because the township is not incorporated and township residents can get policies because Mahoning County is a participating community."

Hammink said there are fewer than 200 policies in place in Mahoning County.

"Certainly, many people never thought they needed it because they didn't think they were at risk," he said. "The flooding from the Memorial Day storm may lead some people to consider it for the first time-if they know it's an option."

In a press release from FEMA, it noted that residents may want to consider flood insurance if they are making repairs due to the Memorial Day flooding. The flood insurance would help protect the homeowner's repairs and restoration work.

The NFIP is a federally-backed program that provides most of the nation's flood insurance. It is administered by FEMA, but the policies are sold for a uniform price by private insurance agents.

Unlike FEMA's disaster assistance grant programs, NFIP claim payouts do not require a presidential disaster declaration and can cover damage far in excess of what FEMA help provides.

NFIP insurance is an affordable way to protect investments in homes, businesses or personal property. Homes can be insured against flood damage for up to $250,000, and commercial buildings for up to $500,000. Policies can cover contents up to $100,000 for homes and $500,000 for businesses. Renters can insure their personal property for up to $100,000.

To be eligible for NFIP coverage, a hometown or county must apply to participate in the

program and adopt certain ordinances. Hammink said Mahoning County participates and has enabled Boardman residents to purchase the insurance.

For more information on the NFIP, call FEMA's Helpline at 800-621-3362, contact your own insurance agent or log onto www.floodsmart.gov. Enter your home address there to find out the flood risk rating for your area.

The Ohio Department of Insurance is available at www.insurance.ohio.gov/

or (614) 644-2658 if you have issues with your insurance.

 
 

 

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