Flood Insurance Quote Request

According to the Federal Emergency Management Agency (FEMA), flooding is the nation’s most common natural disaster. Twenty-five percent of flood claims are filed by people living in moderate- to low-risk areas. Floodwaters have the power to damage not only your home and sense of security but also your financial future. How can you protect your most important investment? What are your flood options?

What Does Flood Insurance Cover?
A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, which provides coverage for things such as:

  • Structural damage
  • Furnace, water heater and air conditioner
  • Flood debris clean up
  • Floor surfaces (carpeting and tile)

You can also purchase a flood insurance policy to cover the contents of your home, such as furniture, collectibles, clothing, jewelry and artwork.

Stay Protected
Flood insurance means you’ll be reimbursed for all of your covered losses. Plus, unlike federal aid, it never has to be repaid. As long as your community participates in the National Flood Insurance Program (NFIP), you’re eligible to purchase flood insurance.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you want to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood. However, if your lender requires flood insurance in connection with the making, increasing, extending or renewing of your loan, there is no waiting period.

To receive a quote for flood insurance complete the form below and a representative from Purdum Gray Ingledue Beck, Inc. will contact you to discuss estimated premiums specific to your building.