Flood Insurance Request a Quote Floods happen everywhere, Make Sure you’re ProtectedYou must ask yourself…What would happen if a flood struck your property tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket? These questions are crucial to address because floods do happen. Residents are typically affected by inland flooding near lakes, in low-lying areas, along rivers and by coastal tidal surge. The fact is… flooding can occur anytime and anywhere when heavy or steady rain occurs. Always remember these two things: (1) Most homeowners and commercial property policies exclude flood coverage. (2) Typically, there's a 30-day waiting period from date of purchase before your stand-alone flood insurance policy goes into effect. That means now is always the best time to buy flood insurance.When you're facing a flood crisis, you’ll feel less pressure and less stress knowing: Your representative took the time to make sure you have the right protection . Your insurance carrier has your back. What is the National Flood Insurance Program (NFIP)?The NFIP is a Federal program enabling property owners in participating communities to purchase insurance protection against losses from flooding. This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.Participation in the NFIP is based on an agreement between local communities and the Federal Government that states if a community will adopt and enforce a floodplain management ordinance to reduce future flood risks to new construction in Special Flood Hazard Areas, the Federal Government will make flood insurance available within the community as a financial protection against flood losses.Why We're DifferentYou may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.