Flood Insurance

Looking for a quote? Click below.

Flood Insurance Decisions

You can’t stop a flood, and you cannot get flood insurance if you see it coming toward you. You should also know that flood losses are not covered by your homeowners’ insurance policy.

Floodwaters have the power to damage not only your home and sense of security but also your financial future. How can you protect your most important investment in case of flooding?

Option 1: Hope that you'll receive Federal disaster relief if a flood hits.

Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it’s often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn’t offered, you’ll have to shoulder the massive damage costs alone. The bottom line is that if you’re looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.

When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you’ll be reimbursed for all your covered losses. Unlike federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood.

As an independent agency, we’re committed to helping you compare options to make the best choice. Call us at (800) 829-5270 or click here.

Request a Quote

Fill out the form, one of our representatives will call you with your quote.
Full Name(Required)
Address(Required)

Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.

This field is for validation purposes and should be left unchanged.

Request Your Insurance Quote

Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come.
Edit Template
Scroll to Top