Did you know that your homeowner’s policy does not cover you from flooding/rising water damage?

We are all in a flood zone it just depends on if you are in a high risk zone or low risk zone as to whether your lender will require this protection but that doesn’t mean that if it’s not lender required then we don’t need it. 
 
Flood insurance is essential and is highly recommended in making sure you are fully protected. Whether required or not, flood insurance is crucial in protecting your home, for many of us our most valuable asset.  Mother Nature can be catastrophic and flooding can happen to anyone.
​
Flood insurance covers your personal belonging as well as the structure of your home. If your mortgage company does not require this coverage, or if you do not have a mortgage, there can be a 30-day waiting period before your flood policy becomes in effect.  Do not wait until the storm is approaching as then it is too late, check with us now to see your rates and if you are not in a high risk zone you may find your rate is only hundreds per year.  We offer not only FEMA flood rates but also private flood rates from many private carriers and have the option with some carriers to add flood to your homeowner’s policy for at times pennies per day.