First, let us dispel a few myths about flood insurance….
- Myth 1: my house won’t flood because I’m not in a flood zone. Fact: 25% of all flood claims occur outside designated high hazard flood areas.
- Myth 2: my homeowners insurance covers flood losses. Fact: Homeowner policies do not automatically include coverage for flood losses.
- Myth 3: flood insurance is exorbitantly expensive. Fact: not always. It depends upon your home’s “base flood elevation”.
We offer flood protection through the National Flood Insurance Program (NFIP) and their policy administrator American Strategic Insurance Co. Primary residences qualify for the “preferred program” which provides coverage on a replacement cost basis. Secondary residences, rental dwellings and businesses must be covered under the “standard program” on a depreciated value basis.
Call us (386) 752-8660 to learn more.