Flood Insurance

Protect the biggest investment you’ll make in your lifetime.

Up to 90% of natural disasters in the United States involve flood waters.   You don’t necessarily have to be in a flood prone area to experience a flood and things like land development in a near by area can suddenly make you flood prone.

Most Homeowners Insurance Polices will NOT cover damage due to flood waters.    Insurance must be purchased either through the National Flood Insurance Program (NFIP) or private markets.  Depending on where you live, this insurance can be relatively affordable and just to have as good peace of mind.  Or where it’s required, the cost can vary.   Therefore, you want to have an insurance agency who knows the local environment to work with you on your flood coverage to make sure you are indeed getting the right coverage for your risks, but at a reasonable value.  Some polices depending on the situation may require a waiting period.

Navigating the market for flood insurance can be difficult. The market is complex, for one thing. There could be a 30-day waiting period before your policy goes into effect, for example, and that could have dire consequences for you if a flood occurs shortly after you purchase your coverage.
That’s why it’s important to work with an insurance professional who knows the market and can assess your specific needs, so you can make the right policy choices based on location, limits and other factors.
Your HUB personal insurance broker can advise you regarding flood insurance options available to you, including:

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