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.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Building Coverage: Foundation
Risk Factor
Damage to the foundation, staircases, and anchorage systems can compromise the structural integrity of your home, leading to major structural problems.
Solution
Building Coverage for the Foundation covers damage to these critical structural components, ensuring your home's stability and safety.
Building Coverage: Garage
Risk Factor
Detached garages are vulnerable to flood damage during covered events, sometimes requiring repairs or rebuilding.
Solution
Building Coverage for the Garage protects detached garages from flood damage, providing financial security during such events.
Building Coverage: Electrical & Plumbing
Risk Factor
Floods can cause extensive damage to electrical and plumbing systems, leading to dangerous situations and invasive repairs.
Solution
Building Coverage for Electrical & Plumbing safeguards you against flood-related damage to these essential systems, ensuring safety and financial protection.
Building Coverage: Appliances
Risk Factor
Floods can damage permanently installed appliances and cabinetry, resulting in high replacement or repair costs.
Solution
Building Coverage for Appliances covers damage to these essential components, maintaining the functionality and aesthetics of your home.
Contents Coverage: Furniture
Risk Factor
Floods can damage or destroy furniture such as couches, tables, and beds, leading to significant financial loss.
Solution
Contents Coverage for Furniture protects against damage to these items, ensuring you can replace or repair them after a flood.
Contents Coverage: Electronics
Risk Factor
Home electronics and some mobile appliances, such as washers, dryers, and microwaves, are susceptible to flood damage, which can result in costly replacements.
Solution
Contents Coverage for Electronics covers damage to these items, providing financial relief in the event of a flood.
Contents Coverage: Clothing
Risk Factor
Flood water can ruin clothing, leading to unexpected expenses to replace essential garments.
Solution
Contents Coverage for Clothing protects your clothing from flood water damage, ensuring you can replace damaged items without financial strain.
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.