Flood Insurance

Flood Insurance

Many customers don't realize the importance of Flood insurance. As an agent for the National Flood Insurance Program (NFIP) we offer flood insurance including preferred risk policies. Flood insurance aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures.

Only flood insurance financially covers your home and personal property from flood. Most homeowners insurance does not cover floods. A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and unlike a Federal disaster loan, it does not have to be repaid.

Why Should I Get Flood Insurance?

Remember anywhere it can rain, it can flood! Just a few inches of water can cause tens of thousands of dollars in damage. A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and unlike a Federal disaster loan, it does not have to be repaid. You can purchase flood insurance no matter your flood risk. But you can't get flood insurance at the last minute. In most cases, it takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the storm approaches and the floodwaters start to rise.