What is Flood?

Flooding is the most common natural disaster...

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Flooding is the most common natural disaster and statistics show that your home is 3 times more likely to suffer a loss caused by flood than a loss caused by fire.

Anywhere it rains, it can flood. Just a few inches of water can cause tens of thousands of dollars in damage.

"Flood" is defined as a general and temporary condition of partial or complete inundation of normally dry land areas from:

Do I need flood insurance?

Don't let the fact that you don't own beach-front property lull you into a sense of false security. The fact is that beach-front structures only account for 3% of all flood losses. Homeowners who live in high hazard flood areas should consider purchasing flood insurance... especially when there is a 26% chance of having a flood loss over the course of a 30 year mortgage! Often, flood insurance is required as a condition of granting a mortgage if your lender determines that your home is in a high hazard flood area.

Even if you live in a low hazard flood area your property may still be at risk. Each year, about 25% of all flood claims paid are for property located outside high-risk areas. The good news is that there is a Preferred Risk program that offers substantial premium discounts for homes or businesses located in low hazard areas.

Does my Homeowners or Business Owners policy cover Flood?

Homeowners Insurance does NOT cover flooding. Only a flood insurance policy covers your home and your personal property from floods.

Most Business Owners Insurance do NOT cover flooding. Only a flood insurance policy covers your business property from floods.

It is vital that you are fully informed about flood insurance in order to protect your property.

In most cases, it takes 30 days after purchase of a policy to take effect. Call us today and we will provide you with a Flood quote.