Flood Insurance

Don’t Let Your Home Be Bullied By Floods

Flood insurance can be extremely handy during the most surprising times. It may cover physical buildings and their contents in case of flood. Depending on the level of your policy, it may even cover accessories such as electronics, furniture and more.

Anyone can purchase coverage, whether they are in a low-lying area, flood plain and even non-typical flood zones. If the building is in a particular flood prone area, they may be required to purchase a policy if they have a mortgage loan backed by a federal agency such as FHA.

A few insurers offer this coverage, and there is also a federal program avaialbe. In order to purchase through the federal program, a person must go through a private insurance agency. Once purchased, the policy goes into effect after 30 days.

Policies are available for homeowners or renters, condo owners or renters and business owners. Policies range from low level to high level coverage, protecting both the outside of your building and the valuables inside.

Flood insurance can come in handy at the most surprising times. Even a person who has not experienced a flood in the past is not immune to a flood in the future. Just a few inches of floodwater can cause tens of thousands of dollars of damage.

Floods are devastating, and just like other natural disasters they do not discriminate. With a policy, there is no waiting after a natural disaster strikes to see if the area has been declared a state or federal disaster in order to get assistance with the damage. Contact one of our advisors to learn how you can keep your home afloat.