Flood Insurance
Coverage for flood is NOT included on a homeowners or commercial property policy. We can write a separate policy through the National Flood Insurance Program.
Important Facts about Flood Insurance:
- 90% of all natural disasters involve flooding.
- Everyone lives in a potential flood zone.
- 25% of all flood claims are at properties in low risk areas.
- The average cost of flood coverage is $300 for $100,000 limit.
- In comparison, a $50,000 Federal Disaster Loan can cost $300 a month for 20 years!
- There is a 30-day waiting period for flood coverage to be effective.
- Coverage for buildings and contents must be purchased separately.
- Contents in basements are not covered, even with flood insurance.
Tips to help reduce or prevent flood losses:
- Make sure your family is accounted for.
- Put together an "Emergency Plan" and review with family.
- Keep a battery powered radio with fresh batteries.
- Stay tuned to local news when bad weather strikes.
- Don't try to swim to safety - wait for help.
- If time permits, turn off all utilities.
- Move valuables to upper floors or higher ground.
- Secure or bring in any outdoor furniture or property.
View Emergency Checklist
Don't wait for disaster to strike. Contact our office to review your flood insurance options.
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