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Flood Insurance

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Flood Insurance Information

Flood Insurance

Each year, more U.S. properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban development, and the leveling of forests have reduced the land's natural ability to absorb water. As flooding becomes a common occurrence, property owners need to face the facts. Flood damage can happen anytime, no matter where you live.

Property owners know a homeowners policy covers fire damage, but most don't realize that it won't cover flood or mudslide damage. Rising waters and debris can destroy your home, business, and personal belongings within minutes. Most floods don't qualify for federal disaster aid. Only floods that are declared national disasters by the president qualify for federal assistance. This assistance is in the form of a grant averaging less than $2,500, or a federal loan that must be paid back with interest. That's in addition to payments on your existing mortgage loan! Only flood insurance protects your home and your belongings from damage caused by rising water or mudflow.

Flood insurance is available for the value of the structure, minus the land value. Contents coverage is also available, but is optional and must be requested. Even if your customer has had previous flooding, they can still buy flood insurance. If they've received disaster assistance before, they must first obtain flood insurance to be eligible for future federal relief. As more flooding occurs throughout the country, the cost of rebuilding is skyrocketing. Floods now cause more than $2 billion in property damage each year. That's your customer's tax money being used to help thousands of flood victims across the country.

Flood Insurance Puts You in Control.

The average flood policy is only $324 a year --that's less than $1 a day. Compare that to a typical disaster loan of $50,000, costing more than $300 a month for over 18 years! Flood insurance pays all covered claims even if a federal disaster is not declared. Claims are paid quickly so victims can recover faster. Your customer can even get a partial payment right away to get started. Flood coverage is available up to $250,000 for your customer's home, and up to $100,000 for the contents.

Flood Insurance is Easy to Buy.

Anyone can buy flood insurance if his/her property is located in a community that participates in the National Flood Insurance Program. Homes, condos, apartments, and business structures are all eligible. Even renters may purchase flood insurance for their possessions. Since flood premiums are set by the U.S. government, your customer's rate is the same from any insurer. Premiums are due on an annual basis, with MasterCard and Visa accepted.

Flood Insurance: It doesn't Pay to Wait.

Over 90% of all U.S. natural disasters include flooding. The best time to buy flood protection is now. Flood insurance claims are paid by policyholder premiums, not taxpayer dollars. Flood insurance is the best way to protect your customer and reduce the cost of flood disasters. There is a 30-day waiting period on most new flood policies, so contact your Independent Agent now for more details. *People living in floodplains are four times more likely to have a flood than a fire during their 30-year mortgage. Source - NFIP



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