9/25/2023 0 Comments Flood insurance quote flWe are ready and looking forward to working with you: please contact us for your free flood insurance quote, today. We will be glad to help you determine which flood insurance policy is right for you and will guide you through the application and purchase process. Purchasing Florida Flood Insuranceįor more information on Florida flood insurance, including free flood insurance quotes, please contact us here at Kirstein Insurance Services. With the NFIP, flood insurance is available to anyone even those living in flood-prone areas provided their community participates in the NFIP. The situations that cause floodingheavy rain, melting snow, severe coastal weathercan happen anywhere. Replacement cost First floor height Number of floors Construction type The deductible and amount of coverage you choose Why do I need flood insurance One reason to consider flood insurance: most homeowners insurance policies don’t cover flood damage, and floods can happen almost anywhere. Many American insurers do not provide or offer flood insurance due to prohibitive costs: they are not able to spread the risk over a wide enough population and therefore put their balance sheet at risk if there are multiple claims at the same time.Īnd that is why the NFIP was established. National Flood Insurance Program (NFIP)ĭid you know that the United States government has established a National Flood Insurance Program (NFIP)? The program was created to provide flood insurance to those homeowners who are not able to obtain flood insurance through normal insurance companies. If your home has been built in a flood plain or low lands, that means the area is particularly vulnerable to flooding and you may end-up paying a higher premium for flood insurance coverage than those whose homes are on a higher elevation. Existing policyholder Access your policy Get a flood insurance quote and protect your investment. Get a quote Or call (800) 566-1575 for your free rate quote. When applying for a flood insurance policy, the insuring company will likely send out a representative to examine your home and where it is located, as a means of determining risk of flooding. Home Flood Insurance Protect your home with flood insurance. As a south Florida homeowner, you need to have flood insurance, which provides coverage that most other policies do not cover, such as building damages and loss of contents due to flooding, flood-caused mudslides, and flood-related erosion. And Florida, with so much of the land being close to sea level, is particularly vulnerable to flooding situations. If you’re a Florida resident, you know the prevalence of flooding in the state: according to the Federal Emergency Management Agency (FEMA), flooding is the number one natural disaster that regularly strikes the nation.
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