Flood Insurance

It's not the wind, it's the water.

Did you know that most natural disasters in the United States are flood related? Even earthquakes, fires, and tornadoes do not have the same impact on property damage or loss of life. Moreover, the incidence of flooding is surprisingly widespread, so don't think it won't happen to you. In fact, more than 85 percent of all the counties in the United States have been declared federal disaster areas in the past 50 years. What's worse, the majority of floods are not declared federal disaster incidents, so homeowners are often not eligible for federal assistance.

Therefore, flood insurance should be a consideration for all homeowners and businesses. Give us a call to see if your community participates in the federal government's National Flood Insurance Program (NFIP). We can tell you about required waiting periods and also discuss whether an Excess Flood Insurance Policy is appropriate to provide coverage above and beyond that provided by the NFIP.