Prepare for the Unexpected. Protect the Life You've Built.

Fundraiser-sec-1.

Many homeowners do not understand the importance of flood insurance and often underestimate flood risks. Flooding is the most common and costly natural disaster in the United States, and a flood event does not need to be the size of a major hurricane to cause serious damage.

In or Out of the High-Risk Flood Area, Everyone Needs Flood Insurance.

Did you know?

Just one inch of water in an average-sized home can cost more than $25,000 in damage.
Floods can happen anywhere. In fact, 98 percent of counties in the United Sates have experienced a flood and more than 20 percent of flood claims come from outside the high-risk flood zone.
If your property is in a low-to-moderate flood risk area, your flood insurance could be much more affordable than you think.
Fundraiser-sec-2

Are you covered?

flood 3

Without a specific flood endorsement, homeowners, renters, and business insurance policies do not cover flood damage. The FAIR Foundation recommends that ALL homeowners and business owners should have flood insurance. The National Flood Insurance Program (NFIP) provides coverage for many homes.  However, there are increasingly affordable private market options available in addition to purchasing coverage from the NFIP.

Contact your insurance agent today about purchasing a flood insurance policy. Flood insurance policies can take up to 30 days to go into effect, so don’t wait until a storm is approaching to take action.

Helpful Questions to Ask your Insurance Agent

Flood insurance is essential for any homeowner, business owner, or renter. Ask the right questions so you can buy the flood coverage you need:

Does my homeowners insurance cover flood?
What flood zone do I live in? What is my property’s flood risk?
What will and won’t be covered?
How much coverage should I purchase for my building and for my contents?
When will my policy become effective?
Will my policy provide Replacement Cost Value or Actual Cash Value—and what’s the difference between the two?
Do I qualify for a Preferred Risk Policy (PRP)?
Does my community participate in the NFIP’s Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?
Is flood insurance mandatory for my property? Will the lender require it?
Are there additional expenses or agency fees?
How can I pay for my policy?
How do I renew my policy?
flood-insurance-drop-in-bucket-01

Commercial Flood Insurance

flood-9

Did you know that commercial property insurance does not cover damage to your business from flooding or hurricane-generated storm surge? You still need a flood policy to protect your business. Contact your insurance agent to discuss your options for Commercial Flood Insurance which may include a private flood policy or a National Flood Insurance Program (NFIP) policy.

To learn more about NFIP Commercial Property Policies.

Click Here