Simple Flood Insurance You Can Trust
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What should I anticipate as the typical expense?
Flood insurance costs can vary significantly based on multiple factors such as elevation, proximity to water bodies, and the estimated replacement value. It’s crucial to understand that each property differs in its impact on flood insurance rates. This means you might encounter rates higher or lower than the national flood insurance average pricing.
Know Your Flood Numbers
The amount of ALL Flood Losses Annually due to Flooding in areas outside of FEMA designated Special Hazard Flood Zones
The average cost per inch of flood water damage to your home
The number of days after purchasing a Flood policy that the policy coverage goes into effect.
National Flood or Private Flood? Which should I buy?
National Flood
Up to 250,000 Building Limit Available per Home
Up to 100,000 Personal Property Available
Multiple deductible options available
Elevation Certificates are Optional
Private Flood
Ability to Insure up to $25M per structure on a primary or Excess Flood Basis
Loss of Use/Loss of Rents Available
Ability to Insure Properties under Renovation
Is it covered?
“A bad storm hit our area over the weekend. No wind damage to our roof or exterior, but we had a bunch of water come up our toilets, bath and sinks into the home and our wood floors are ruined. Good thing I have homeowners insurance.”
Homeowners Insurance doesn’t cover flood damage. It may cover different types of water losses but not water that is “rising” into the home which only can be covered under Flood Insurance.
“We live up North and visit our Florida lakefront home during the winter. There was some heavy rain in the area last week, but neighbors across the street said they had no damage. I’m not worried. If we have any damage when we visit after the holidays, I can file it with my company.”
You have 60 days to file your Notice of Loss with the insurance company.
“I live in a Special Hazard Flood Zone so my Lender requires I maintain the maximum NFIP limits available of $250,000 on my home and $100,000 in personal property. If I ever have a flood loss I’ll be guaranteed the replacement cost on my loss.”
Flood losses to Buildings are paid on a Replacement Cost Basis however for Personal Property all losses are paid Actual Cash Value (and not Replacement Cost).