Purchasing flood insurance should be an important consideration for all consumers, even if you think flooding is unlikely in your area. It is estimated that between 20 and 25 percent of flood claims are filed by people living outside of mapped high‐risk flood areas.
Flood insurance coverage for your home (up to $250,000) or business (up to $500,000) is available from the federally backed National Flood Insurance Program (NFIP). A standard flood policy from NFIP will cover flood damage to the building, as well as the furnace, water heater; air conditioner, floor surfaces (carpeting and tile) and debris clean up. In most cases renters insurance is available for tenants to insure the building and/or contents.
It is very important to plan ahead; a flood insurance policy will not go into effect until 30 days after you buy the policy.
Our office invites you to call or visit our agency to learn more information about flood insurance, to rate your risk, and even estimate what a flood policy would cost.