Flood insurance is a key factor in protecting your home in the event of rising water. Your homeowners insurance policy normally excludes any damage caused by flood. Flood insurance will provide coverage in the event of rising water as a result of prolonged or heavy rains, coastal storm surge, blocked storm drainage system, snow melt, levee dam failure or other such causes that result in rising water. Flood damage must affect at least two acres and or two properties for your flood insurance policy to render coverage.

If your property lies within a designated flood zone an elevation certificate will assist you in obtaining coverage at a reasonable cost. In the event that your property does not reside in a flood zone then coverage can be obtain without an elevation certificate.

Obtaining flood insurance normally involves a 30-day waiting period before the policy becomes effective; unless the coverage is purchased at the same time you are purchasing your home.

Call us today to find out how to protect your family, your home and your personal belongings in the event of a flood.

Please note that the information on this site is intended for general information purposes only. In no way does the information on this site specifically refer to coverages reflected on your current and/or future insurance policy; please make certain to review your current policy in detail.