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Flood Insurance


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Flood Insurance Information

Flood Insurance

Do you think your home is safe from flooding? Think again. Nearly 20% of flood insurance claims come from moderate-to-low risk areas.


This past year, starting with the early spring thaw of all the snow then Hurricane Irene, many residents of our area who thought they were safe from flooding, now unfortunately realize they're not.

As you may or may not know, a basic homeowner's policy does not cover damage to your home caused by flooding.

Contact us for more information on flood insurance and how to get the right coverage in place through our agency.



There's something you should know: 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?

    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. 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. And 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.
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