Protect your assets in the event of a disaster.
Solving the problems with Federally-backed Flood Insurance, by providing Private Market options to property owners.
Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.
Three major myths about Flood Insurance mean you could be taking an unnecessary risk.
The first is that Flood Insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating.
Another myth is that Homeowners Insurance automatically includes Flood Insurance. In reality, that is usually not normal, and you should always assume you are not covered unless your Homeowners policy specifically says otherwise.
The third myth is that government programs have taken care of Flood Insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.
It has become evident that over-building and the drastic changes in topography throughout the country have been contributing factors to some of the devastating “flooding” events that have permeated the news headlines for the past several years. And, relying on the Sewer &/or Water Backup coverage under a common Homeowners Insurance policy, or the local municipality to reimburse you, is no longer the answer. Since flooding occurs in all areas and not just in high-risk areas, a period with little to no substantial precipitation can soon wreak havoc on a basement or lower floor when a sudden rainfall occurs. Additionally, poor drainage systems, the rapid accumulation of rainfall, snowmelt, and broken water mains can all result in a “Flood.”
A great new alternative to the traditional Standard Flood Insurance policy, is the emerging market of Residential Private Flood Insurance products. Many of these plans not only offer a better cost, but also enhanced coverages that are not available in the traditional Flood Insurance programs. Additional Living Expenses, and Replacement Cost coverage are just to name a few of the enhancements that go a long way in the event of flooding losses.
Contact us today, and let us solve your Flood Insurance problems.
Flood Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
