---
title: Flood Insurance Policy - Wickline Insurance in Beckley, West Virginia
description: Wickline Insurance offers flood insurance in West Virginia from our Beckley, WV office. Free flood insurance quotes are available now! (304) 252-1483
---

# FLOOD INSURANCE POLICY IN WEST VIRGINIA

[Start Your Quote](/flood-insurance/quote)

## Protect your home with a flood insurance policy in Beckley, West Virginia from Wickline Insurance.

Since standard [home insurance](/homeowner-insurance) doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. Protecting your home with flood insurance in West Virginia is just phone call away. Wickline Insurance can help insure your property with flood insurance in Beckley, Crab Orchard, Fayetteville and Mt. Hope , WV. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the [NFIP](http://www.floodsmart.gov/floodsmart/pages/about/nfip_partnership.jsp) and how it can help you protect yourself.

### Flood Insurance Coverage

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

### Building coverage includes

- The insured building and its foundation
- The electrical and plumbing system
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, cooking stoves, and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring

### Contents coverage includes

- Clothing, furniture, and electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwaves and dishwashers
- Carpeting that is not already included in property coverage
- Clothing washers and dryers

The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.

All other buildings and personal property (i.e. contents) are valued at ACV, which is the RCV at the time of loss, minus physical depreciation. Personal property is always valued using ACV.

_Content provided by [FloodSmart.gov](http://www.floodsmart.gov/floodsmart/pages/about/nfip_overview.jsp)_

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## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/flood-insurance/quote)

## Insurance Partners

[Liberty Mutual — Progressive — Travelers — Hartford — State Auto — Foremost — Encompass — Hagerty — American Modern — Dairyland Insurance — National General Insurance — Allstate — Nationwide — Zurich — Celina — AEGIS — RLI — Hallmark — RPS — Encova — Highmark BCBS — Farmers and Mechanics — Berkshire Hathaway Homestate Companies — Westfield — RT Specialty — Amerisafe — GEICO — Frederick Mutual — Panhandle Farmers Mutual — Safe Insurance](/insurance-companies)

## Testimonials

You don't have to take our word for it. Check out what our customers say about us.

[View Testimonials](/testimonials)

## Connect Online

- [Facebook](https://www.facebook.com/WicklineInsuranceAssociates)
- [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4)

**Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.**

[Start Your Quote](/flood-insurance/quote)

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