If necessary, we will analyze your need for broader coverage and greater limits than are available via the NFIP, turning to our network of alternative competitive markets. Particularly if you own a high-value home, you should consider purchasing excess flood insurance to greatly increase the amount of flood coverage for both the dwelling itself as well as the contents inside. An excess flood policy can also offer funds to cover additional living expenses during the time it takes to repair your residence. We also have access to providers in the marketplace that write insurance for coastal and non-coastal homes as well as secondary residences, rentals, condominiums, and other key circumstances.
Many residents in the region found out the hard way that the standard homeowners insurance policy does not include protection for flood damage, regardless of whether they have a sump pump rider or sewage and backup insurance. Here again, excess flood insurance is effective, offering protection in the event a rush of water creates a mudflow that damages your home.
We start evaluating your needs with a careful review of federal flood maps to determine the flood zone in which your property is located. We combine this with your property details, such as presence of a basement and low-lying windows, to pinpoint what type of insurance is called for, how much coverage is needed, and how much it will cost.