This regularly-scheduled sponsored Q&A column is written by Adam Gallegos of Arlington-based real estate firm Arbour Realty, voted one of Arlington Magazine’s Best Realtors of 2013 & 2014. Please submit your questions via email.
Q. We recently purchased a home and are loving it so far. We haven’t had any problems with flooding and hopefully never will, but being worrywarts we are wondering if we should purchase flood insurance for our home.
A. Interestingly, you are the third person who has asked me about flood insurance in Arlington during the last month. Typically this is the type of question that comes up more in Alexandria where flooding is more prevalent. Maybe the hard rains we had this summer have caused some concerns.
Almost all lenders require flood zone certification prior to them lending you money to purchase a home. They want to be sure that you have flood insurance in place if your home is in a flood zone as determined by FEMA. It sounds like your concern goes beyond just the minimum standard of protection.
I shared your question with insurance expert Max Olson at Nationwide Insurance. Below is what he had to say:
A great place to look to see the likelihood of a flood for your property is www.floodsmart.gov. This website will tell you what the likelihood of a flood is for your property and will even give you ranges on the cost of flood insurance as long as you type in your address. People think that floods only happen in high risk flood zones, but 20 percent of all flood claims occur in low to moderate risk flood zones.
On the other hand, keep in mind that certain scenarios people call “flooding” would already be covered under most home insurance policies (like a pipe bursting and ‘”flooding” a basement or a sump pump failing and “flooding” a basement). Your insurance agent can go through all the different scenarios and what would be covered under a flood policy vs your home insurance policy.
Below is contact information for Max incase you have additional questions or need a great insurance agent.
The views and opinions expressed in the column are those of the author and do not necessarily reflect the views of ARLnow.com.
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St. Charles offers a play-based curriculum in a welcoming, Christ-centered environment.
Our program focuses on socio-emotional development and kindergarten readiness through hands-on and engaging activities. Our programs offer different schedules ranging from 7:30 am-5:30 pm for students, ages 2-5. We feature a full-day Jr. kindergarten class for older 4’s/5’s. Our facility includes a full-sized gymnasium, school chapel, and library. All of our students enjoy music and physical education weekly. Children have an opportunity to participate in enrichment classes such as soccer, basketball, ballet, and science.
We offer Summer Camp with weekly themes and twice a week water play, including Fun Friday moon bounce. Please join us for our Open House Feb. 3 at 9:30 am and 11:00 am. Click here to sign-up.
For more information or to schedule a tour, visit us at www.stcharlesarlington.org or call (703) 527-0608.
If you are a lifelong learner over 50+ who wants to make new friends, power up your brain, and enjoy a wide-variety college-level courses, Encore Learning is for you. An Arlington based nonprofit, Encore Learning offers courses in the arts, theater, literature, history, technology and more. This semester we offer our most popular course, Global Hot Spots as well as 25 new courses. Courses are presented either online or in-person at George Mason University at Virginia Square and other Arlington locations.
Join the free presentation to learn about courses and meet the instructors. This is Encore Learning’s signature event to highlight the upcoming semester with brief presentations by each instructor.
The Spring Course Preview event is Thursday, February 2nd at 9:30 AM via Zoom:
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