Flood Insurance Quote Forms
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Flood Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Flood Insurance Information
Flood Insurance - Miami & Orlando, FL
Also Serving Kendall, Doral, Coral Gables, Aventura & all of South Florida
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
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 in case of flooding?
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.
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 go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
Flooding is the nation's #1 Disaster
- Floods and flash flood happen in all 50 states.
- Everyone lives in a flood zone.
- Just an inch of water can cause costly damage to your property.
- Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding
- Flash floods often bring walls of water 10 to 20 feet high.
- New land development can increase flood risk, especially if the construction changes natural runoff paths.
- Anyone can be financially vulnerable to floods. People outside of high risk areas file over 20% of NFIP claims and receive one-third of disaster assistance for flooding.
(Cost of Flooding tool courtesy: FloodSmart)