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Flood Insurance
A flood can be emotionally and financially devastating, but only 20% of Americans at risk for floods are covered by flood insurance nationwide. Traditional homeowners insurance doesn't cover flood damage and if you live in a high-risk area, your mortgage lender will require that you have flood insurance. Even if you don't live in a high-risk area, if it can rain on your property then it can flood on your property. We'll help you find the right option for your home.
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Let us impartially shop multiple top rated insurance companies, search out your best rates and create a customized quote that's just right for you. We'll also explain your coverage options, so there won't be any unpleasant surprises later.
Three things you may not know about flood insurance
Floods are the number 1 natural disaster in the United States. As weather and land development changes, high-risk areas can change too. Don't wait until bad weather is in the forecast to find out more, as there is typically a 30-day waiting period before a new policy is effective.
Flood insurance is not part of a typical homeowners policy, though it may be included in some renters policies.
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In the past 5 years, floods have occurred in all 50 states, including moderate- to low-risk areas where flood insurance isn't required.
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Floods occur more often than tornados and hurricanes and in the past 10 years, flood insurance claims averaged more than $2.9 billion a year.
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What could cause a flood
Snow and Ice
Excessive snow melting can turn into standing water when the ground can't absorb it fast enough. Which can then pour into your basement.
Dry Weather
Much like still frozen ground, dry ground following a drought can't absorb rain fast enough, which could cause a flash flood in even low-risk areas.
New Development
Newly cleared land for development has no plants and roots to hold the soil in place during rain. Plus, developments reduce the amount of land available to absorb water, which could lead it to your neighborhood.
Coastal Areas
Tropical storms and hurricanes are common causes of floods, even several miles inland.
Once you're covered, we make managing your insurance simple, because we'll be your direct contact for all your future needs, such as making a change to your coverage, getting more information, or filing a claim.
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