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 – 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.
