A lot of people today are asking ...
"Should I buy Flood Insurance?"
The answer is YES! Because anywhere it rains it can flood and most homeowners policies don't cover flooding.
Important things you need to know about Flood Insurance
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Flood insurance covers damage done to your home, business, and personal property. Flooding is when excess water is on land that is normally dry and affects two or more acres or two or more properties. What does this mean exactly?? Good question! Simple example: If it rains and the water rises and floods your house, you are covered by flood insurance. If a pipe breaks and floods your house, you are not covered by flood insurance!
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Flood insurance is recommended even if you are not in a flood zone. 1 out of 3 claims come from homes that are not in the 100 year flood plain. You will be surprised how inexpensive flood insurance can be for the coverage you pick. Some policies are as low as $300 a year.
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There is a standard waiting period of 30 days, so it is important to plan ahead and not wait until the weather tells you a hurricane is on it's way. If you are closing on a home and flood insurance is required by the lender you are exempt from the 30 day waiting period. Mortgage companies will escrow for flood if you are in a flood zone, however, if you purchase flood insurance voluntarily you will need to pay for the policy outside of closing and your mortgage company will not escrow for it.
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Elevation Certificates are surveys of your property that mark the insured properties elevation. These surveys usually cost around $300 and could quite possibly save you thousands of dollars, especially if you are in a flood zone. Need a certificate? We can help you order one today! Just click the link below and complete a short form.
The application is SUPER easy to complete, and we will help you! The standard waiting period is 30 days, so don't wait to apply until you see the water rising! It will be too late then.
Call or text us today at
The whole process will take less than 5 minutes and you can get your flood policy started! Don't put it off and regret it later.
Call or text today!
Or click on the Flood Quick Quote and submit.