Flood Insurance
Flood Insurance
– Hurricanes
– Storm surges
– Broken water main
– Overflowing toilets
– Much more
You have to figure out a way to protect yourself of any kind of flood, so that it does not damage your home. The longer the water is there and the more water there is, the more damage there can be. You may lose furniture, damage carpet and drywall, and much more. If the water sits for too long, you also run the risk of your foundation being damaged.
You cannot assume that homeowners insurance is going to cover a flood. In many instances, there is a clause to say that flood insurance needs to be separate. There are flood zones within North Carolina and if you are in one, your mortgage company will require that you have flood insurance in addition to home insurance.
Flood insurance needs to be completely understood so that you get the right level of coverage. At L&L Insurance, you can determine what level of coverage you need and whether you are going to protect against “non-flood” water damage as well – which has to do with overflows from a sump pump or a back up from a drain or sewer.
This will help you to protect yourself against all of life’s surprises and ensure that you aren’t paying for it all out of your bank account.

Lincolnton NC Location
L&L Insurance Agency
110 Vandiver Dr. Lincolnton, NC 28092
Phone: (704) 732-1811
Office Hours:
Monday thru Friday 9am – 5:00pm

Gastonia NC Location
L&L Insurance Agency
365 N New Hope Rd #2, Gastonia, NC 28054
Phone:(704) 862-6080
Office Hours:
Monday thru Friday 9am – 5:00pm

Winston Salem, NC Location
L&L Insurance Agency
Phone: (336) 793-1505
Office Hours:
Monday thru Friday 9:00 am – 5:00 pm

Clinton, NC Location
L&L Insurance Agency
201-C Northeast Blvd, Clinton NC 28328
Phone: 910-240-3520
Fax: 910-240-4147
Office Hours:
Monday thru Friday 9:00 am – 5:00 pm
Gastonia NC Location
Gastonia Location
365 N New Hope Rd #2
Phone:(704) 862-6080
Lincolnton, NC Location
L&L Insurance Agency
110 Vandiver Dr. Lincolnton, NC 28092
Phone: (704) 732-1811
Winston Salem Location
1001 S Marshall St, Winston Salem, NC 27101
Phone: (336) 793-1503