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Flood Insurance


Flood Insurance Quote Forms

Insurance products by their very nature are highly complex and vary widely between policy types and insurance providers. Let INSUREPOINTE assist you in navigating all the various options of a good risk management strategy. Complete the request below and one of our professionals will contact you to arrange an interview.


Flood Insurance Information

Don't let this freak of nature catch you off guard. Protect your investments with flood insurance. Even if your property does not lie in a hazard area you are still susceptible. A flood can occur anywhere, even on property oustside the 100-year flood plain. Flood insurance rates are regulated by our Federal Government. Therefore, no matter who you purchase your flood insurance from your rates will be the same. Let us be your agent - please call, email or request a quote online today! 

 


 There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.