There are many things that you can do to protect your home and personal property.  Click here to find out more. 

Collapse or subsidence of land and the insured house, along a shore of a body of water caused by waves or currents of water are considered a flood and are covered by this policy.

The difference between what is covered under the homeowner's insurance and what is covered under this policy really depends on the source. If the flooding is an accumulation  of surface water from outside your property the flood policy is meant to cover this. If it is natural water entering from an opening in the roof, walls, or windows or if the water is processed tap water that leaks from your water pipes or appliances (water heater, washer), it should be covered under most homeowners policies.

Flood insurance policies cover physical damage to your property and possessions. The most common flood policy has limits of $250,000 for your house and $100,000 for your personal property and you can purchase excess flood coverage to extend both of those limits.

Unfortunately not, this program covers flooding of your house from surface water originating from outside of your house. Your homeowners policy should cover damage caused by plumbing or leaky appliances.

Flooding occurs when water from outside your property rises and causes damage to your home and at least one other home.  The source of the water can be an overflow of inland or tidal waters, the unusual and rapid accumulation or runoff of surface waters from any source or mudflow.

If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.

Private insurance companies and the federal government recognized that their association would improve the overall success of the program. Accordingly, insurance companies administer the program, but the federal government funds the insurance.

Flood damage is not typically covered by a homeowners insurance policy.

Voluntary flood insurance policies are not enforced until 30 days after purchase.

The physical effects of mold contamination, which range from irritating symptoms akin to seasonal allergies to death, continue to gain national recognition and scientific support. Click here to find out more about mold and how to ensure that your home and property are safe to live in.

You can get flood insurance for your rental property if you live in a community that participates in the National Flood Insurance Program. You can get flood insurance to cover the contents of your home, apartment or business. To find out if your community is enrolled in the National Flood Insurance Program click here and you will be taken to our quick quote section that will detail the eligibility of your property.

There is a low-cost policy for homes in moderate-to-lower risk areas, and for much less than you might expect. The quick processing of these lower risk/low cost policies is the purpose of this website, so lets get started.  Click here to get a quote. 

Most likely, your basement is not covered. Check your policy to be sure!

Floods can happen anywhere and without warning.  25% of homes with flood claims each year are in low risk zones just like yours.  Give yourself and your family the peace of mind of knowing that they are protected should a flood happen.  It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.

You can cancel your policy if you sell your house. You simply need to provide a signed cancellation form and legal documentation such as your settlement paperwork showing the title transfer of your property to the company that sold you your flood insurance policy.

If your home is damaged or destroyed by a tornado, flood or other disaster, you may be too distraught to be on the lookout for fraud. But disasters can bring out unscrupulous contractors that prey on disaster victims, according to the Insurance Information Bureau.
After a disaster, professionals often go door-to-door to offer their services in neighborhoods that have sustained damage. While many of these business people are reputable, some are not.  Click here for more information about how to protect yourself from fraud after a flood.

There are some homeowner endorsements that will cover a back-up or overflow of sewers or drains or a sump-pump. These type losses sometimes do occur during flooding events. These endorsements will often have dollar limits substantially less than the flood policy

To purchase flood insurance click here to get a quote now!

Flood insurance is required by law for some high risk homes but only a minority of homes fall under this category. Congress passed some laws requiring that all federally-insured or regulated lenders, for instance mortgages backed by Fannie Mae or Freddie Mac require flood insurance to protect their investment in the property.

After a hurricane, sometimes homeowner's insurance will pay for the damage caused depending on the source of the water. Generally, if it comes in from an opening created in the roof, windows, doors or walls from wind or wind driven rain - homeowners insurance will cover the damage. If the natural water accumulated on the surface of the ground first, this surface water is considered flood water and covered by the flood policy.

90% of all natural disasters have some form of flooding.

25% of homes with flood claims each year are in low risk zones.

It was the levee failure in New Orleans, during Katrina, that created the massive flood damage in that area. Levees are designed to reduce the risk of flooding for us and our communities. Yet no design is without flaw and levees do not eliminate the risk of flooding which can be catastrophic. The Federal Emergency Management Agency (FEMA) maps the risks behind levees, but they do not design, build, operate, maintain or certify that the levees provide a specific level of protection. Living below a levee or Dam means living with the risk. For peace of mind it is best to be protected.

Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.