Flood

Protect the life you’ve built with flood insurance

Did you know your homeowners policy does not cover a loss due to flood?

As you know, flooding can happen at any time and as your agent, we want to make sure you and your family are prepared. You can’t control the weather, but you can prepare for it.

FEMA and the National Flood Insurance Program (NFIP) are encouraging all residents to purchase flood insurance today to protect their homes and families—policies typically take up to 30 days to go into effect except for a mortgage closing.

Here are three things to know about flooding:

  • Just one inch of water in an average-sized home can cause more than $25,000 in damage: In 2017, the average flood claim payment was more than $90,000.


  • Flooding can happen anywhere, not just in high-risk areas: More than 25% of flood insurance claims come from outside the high-risk flood area.


  • Most homeowners insurance doesn’t cover flood damage: With a flood policy from the NFIP, you’re covered—up to $250,000 for your home and $100,000 for belongings.


Did you know that many flood losses occur in zones that are not considered high-risk and in areas where your mortgage company may not require the coverage?  All properties are in a flood zone and those located outside high-risk flood areas may qualify for a Preferred Risk Policy (PRP)?

Please feel free to reach out with any questions, or to learn more about the right level of coverage for your home or business.