Floods and flash floods can occur anytime, anywhere.

What's your best defense against devastating financial loss?

Be prepared! Take a moment now to learn about your risks, resources and responsibilities.

Flooding happens everyday in all regions of the country. Consumers must prepare for flooding no matter where they live. The northeast can be affected by remnants of tropical disturbances in the summer, but are also threatened by winter flooding, nor'easters, and the threat of rapid spring melts. The Midwest experiences major river flooding - illustrated by the catastrophic floods of 1993. The west coast's intense flooding season typically spans November through March and results in millions of dollars in damage for residents each year.

Many consumers think that flooding related to hurricanes and other tropical disturbances are limited to coastal areas. However, some of the most damaging flooding can happen well inland and days after a storm makes its initial landfall. In 2004, Pennsylvania, which has no ocean coastline, received more than $175 million in flood insurance payments - second only to Florida.

Although many floods are caused by huge storms like hurricanes or nor’easters, more floods occur every day and can result from small, localized events, such as a typical afternoon thunderstorm. No matter where you live, it is important to remember that just a few inches of water in a home can cause thousands of dollars of damage.

Contact us about flood insurance for you or your business today.

Does My Homeowners/Property Policy Cover Flood?

In a word, no! Damage caused by flood is specifically excluded under just about all homeowners/property policies. A separate flood policy is needed to cover flood damage.

Consider these facts: 90% of all Presidentially declared disasters are flood related. 30% of all floods occur in low to moderate flood risk areas. In the fall of ’99, over 62,000 North Carolinians experienced flood damage from hurricane Floyd, the vast majority of whom were residing in low to moderate risk areas. The average flood policy has an annual premium of $320.00. Do you need Flood insurance? You decide!

Many people think of flood as only caused by a river overflowing or a dam breaking. This is not true. Flood is often defined as ". . an overflow of inland or tidal waters, the unusual and rapid accumulation or runoff of surface waters from any source including rain, and mudslides which are proximately caused by flood."

A "rapid accumulation of . . surface water" can occur during any heavy rain. It is not necessary that a river crest above its banks to meet the definition of flood. Often "flash floods" only last a few minutes but if your home is affected, the damage can be tremendous and is not covered by homeowners. The definition of flood in flood policies is intended to pick up where homeowners policies leave off so in many cases, water damage from heavy rains is covered even if it is not a "flood" in the traditional sense.

Contact us about flood insurance for you or your business today.

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