Flood Insurance

Need commercial flood insurance? Get competitive rates on our flood insurance program from top flood insurance companies offering commerical flood insurance and flooding insurance coverage.

•  A standard homeowner's policy does not include flood Insurance.

•  You cannot depend on disaster assistance from the government. Monies available are for those that the president declares a disaster. Less than 50% are declared a disaster, therefore most people are on their own. It is much cheaper to buy a policy than it is to re-pay the government for the assistance.

•  20-25% of claims come from the Lower risk areas- Flood Zones A or X.

What coverage's for flood are available for basements?

A basement is defined as the floor being below ground level on all four sides .

Coverage is provided for foundation elements including posts or other support systems. Coverage is also available for utility connections, mechanical equipment necessary for the building, such as furnace, hot water heater, clothes, washer and dryer, food freezer, air conditioner, electrical junction, etc. Items such as paneling, carpeting, furniture, etc. are not covered in a basement.

The individual policy should contain a complete list of elements and equipment covered. It's important to note that some items are included under building coverage and others are covered by content coverage. It is advisable to purchase both building and contents coverage for the broadest protection.

Get information on Flood insurance coverage for your business at 847-336-8700.