Flood Insurance

Protect Your Home and Wallet from the Devastation of Flooding

Don’t let the unexpected become the unbearable.

Did you know FEMA reports that nine out of ten natural disasters in the USA involve flooding?

Flooding is one of the most widespread and destructive natural disasters, causing billions of dollars in damage every year. Unfortunately, most homeowners are unaware that their traditional homeowner insurance policies don’t cover flood damage, leaving them vulnerable to the full cost of repairs and clean-up. That’s why flood insurance is a critical aspect of financial planning.

At our insurance brokerage, we understand the importance of protecting your assets and future. That’s why we offer comprehensive flood insurance solutions to help shield your home and finances from the devastation of flooding. Our insurance options are customizable to meet your unique needs and budget, so you can protect yourself and your loved ones with confidence.

Don’t wait until it’s too late, flood policies come with waiting periods and black out dates!

Contact us today to learn more about your insurance options and take the first step towards peace of mind

Selecting the best flood insurance

It is important to remember that flood insurance comes with a 30-day waiting period before your policy will provide coverage. Flood insurance can help cover the costs associated with repairing or replacing your home and its contents when a flood occurs. It also provides coverage for additional living expenses if you need to temporarily relocate during the repair process.

We will help you access and partner with one of the nation’s leading flood insurance carriers to service your risk. Flood insurance is available through the National Flood Insurance Program (NFIP), which is administered by FEMA. The NFIP offers two types of flood insurance policies: a Standard Flood Insurance Policy and an Increased Cost of Compliance policy.

Having a knowledgeable insurance professional guide you through the policy selection process is beneficial, allowing you to make informed decisions based on your needs and location:

  • Water damage loss
  • Excess flood coverage
  • Coverage for backup of sewers and drains

Flood Insurance FAQ

Flood insurance is a type of insurance coverage that protects your property and belongings from the damages caused by flooding. This is different from coverage that protects you from water backup due to sewers and drains.

It helps you pay for repairs, replacement, and cleanup costs in the event of a flood, regardless of the cause of the flooding.

If you live in a flood-prone area or if you have a mortgage on your property, your lender may require you to purchase flood insurance. However, even if you don’t live in a high-risk area, it’s important to consider flood insurance as an essential aspect of your financial planning, as extreme weather events and construction can cause flash floods anywhere.

Flood insurance typically covers the cost of repairs and replacement of your property, personal belongings, and other covered items damaged by a flood. It can also cover additional living expenses, such as temporary housing, if your home becomes uninhabitable.

The cost of flood insurance depends on various factors, such as the location of your property, the value of your property and belongings, and your flood risk. Working with ZRM Brokerage is the best way to quote and secure flood insurance for your location.

Yes, you can purchase flood insurance at any time. However, there is usually a 30-day waiting period from the date of purchase before your coverage becomes effective, so it’s important to plan ahead and purchase flood insurance before a flood occurs. Contact us today to learn more about our insurance options and how we can help protect your property and finances from the devastating effects of flooding.

Flood Insurance – Need To Know Information

  • Flood insurance typically takes effect after a 30 day waiting period or blackout period has passed
  • Homeowners insurance typically does not provide coverage for flood damage caused by storms, overflowing rivers or heavy rainfall
  • Twenty-five percent of all flood claims happen in low to moderate risk areas, and properties do not need to be located in flood zones to experience a flood

Mother Nature Doesn’t Knock

The tales of those who couldn’t recuperate from flooding damage due to their lack of flood insurance are plentiful. Global weather events continue to spread the risk of flood outside of standard flood zones. As risk advisors, we urge you to buy a flood insurance policy before any damage takes place whether you have a simple basement, an in-home theater, a prized collection on display or even a recording studio.

Flood Resources Available

Let’s start a conversation about your risk and work together to safeguard your family with affordable flood insurance today.

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