Flood Insurance
Flood: The #1 Natural Disaster in the US.
Water is fun and adventurous in your backyard pool but creates havoc when seeping into your basement or bedroom. Flood insurance holds the difference between recovering from a loss or experiencing financial devastation.
Flooding is the most common natural disaster in the United States and can occur anywhere, even in the desert; yet, a standard homeowners insurance policy does not cover flood damage. You do not have to live in a high-risk flood zone to be affected by a flood. In fact, 20 to 25 percent of flood claims originate from properties outside high-risk flood zones.
It is essential to understand your true flood risk and whether flood insurance is something you should consider to protect your home from floods associated with hurricanes, tropical storms, heavy rains, and other impactful conditions.
Are You at Risk?
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In the United States, flood-related damages cost individuals more than a billion dollars per year with the average claim ranging from $30,000 to $45,000. Knowing your flood risk can help you choose the coverage which appropriately meets your specific needs.
VIA can help you keep your head above water when it comes to purchasing a NFIP or private flood policy. Our carriers feature the convenience of 24-hour claims service, electronic payments, and access to online policy documents. Get A Flood Insurance Quote.
Flood Insurance
In 1968, Congress created the National Flood Insurance Program (NFIP) to provide homeowners, renters, and business owners with a means to financially protect their property and possessions. To reduce the risk of flooding, participating communities adopted and enforced specific ordinances meeting or exceeding FEMA requirements.
If your home is in an NFIP participating community, you may be eligible for flood insurance at a reasonable cost through the federal government.
Private flood insurance is a viable alternative to buying a government-backed policy under the NFIP. Private flood coverage is available through private insurers, such as Lloyd’s of London or TypTap, and it satisfies federal mandates and mortgage requirements. Get A Flood Insurance Quote.
