Flood Insurance Plans

Insurance That Covers Flood Damage

Turn to Roderick Crabbe Insurance Inc for flood coverage to protect you in case flood water damages your home. Whether your home is located on a flood plain or not, flooding could still be a risk. Be aware that standard homeowner insurance doesn’t cover damage caused by floods, including:

• Clogged or failed storm drains
• Extreme water runoff
• Fast and unusual accumulation of surface water
• Mudflow
• Overflowing lakes, streams, or tidal waters
• Water main breaks
• Overdevelopment
• High snowpack
• Groundwater seepage

The federally funded National Flood Insurance Program (NFIP) offers two policy options with up to $250,000 in coverage. If you’re taking out a mortgage in a high-risk flood zone, you’ll probably be required to purchase a flood coverage policy. You may also buy a supplemental flood coverage policy that offers better coverage for basements with limits exceeding the federal program guidelines.

A flood coverage policy can include three types of coverage:

• Building coverage protecting your home’s physical structure
• Contents coverage protecting your belongings
• Replacement cost coverage reimbursing you to replace your single-family home

Any property owner can benefit from flood insurance. According to NFIP, more than 20 percent of all flood claims come from areas considered low or moderate risk.



Call to sign up for a flood insurance policy today.

Reasons to Get Insurance Through Our Agency