Flood insurance from our brokerage to your agency.

Just because your client doesn’t live in a high flood risk area doesn’t mean it’ll never happen to them. We offer the specialized coverage your client needs to help protect their home from rising waters—even if you’re not in a flood zone.

Debunking the three myths surrounding insurance for flooding.

There are three major myths about flood insurance. That means your client could be taking an unnecessary risk.

Flooding is a risk no matter where your client lives.

The first myth is that people living in designated flood zones are the only ones who need flood insurance. In reality, flooding is a potential risk everywhere, and the damage can be devastating.

Homeowners policies don’t typically cover damage from floods.

Another myth is that homeowners insurance automatically includes flood coverage. In reality, that is not the norm, and your client should always assume they are not covered unless your client’s homeowners policy specifically says otherwise.

Only a small percentage of homes are covered by government programs.

The third myth is that government programs provide coverage for flood insurance. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a tiny percentage of American homes.

The difference between having and not having a flood policy.

For most homeowners, floods are a low likelihood but high-cost risk. If your clients experience a flood, they could lose most of their possessions, face major reconstruction work, or even be left homeless for months while their property is under repair. In most cases, not having coverage for flooding is a chance your client simply can’t afford to take.

Contact us and we’ll help explain the benefits of obtaining a separate flood insurance policy.

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As an independent brokerage, we are here to help you find Flood Insurance coverage.