Flooding, the most common natural disaster causes thousands of dollars of damage annually and can occur anywhere, including properties not normally defined as high-risk areas.  When flood waters are rising and the threat to your home, business and possessions is imminent, you want the security of knowing you will be reimbursed for any damage done.  Even though flooding is frequent, the damage it causes is not covered by your homeowners’ insurance policy.  Advocate Brokerage can help you navigate the waters of Flood Insurance and help you to find the appropriate coverage to meet your needs.  From baseline coverage offered through the National Flood Insurance Program to supplemental plans, we’ll help you find the coverage that is the right fit for you.

Flood Insurance Features Available Include:

  • Property Coverage – primary coverage for your home’s structure as well as supplemental coverage (up to total replacement cost)
  • Contents Coverage – coverage for your belongings
  • Superior Claims Service – Service that minimizes your administrative hassles when you need it most
  • Clean up Costs – Coverage for the cost of clearing debris and removal of damaged items
  • Living Expenses – Coverage for additional living expenses should you need to temporarily relocate
  • Loss Prevention Reimbursement – Reimbursement of costs associated with preventing a loss associated with flooding

What is a flood?  According to the National Flood Insurance Program, a flood is defined as a temporary condition of inundation of two or more acres of normally dry land or two or more properties from one of the following:

  • Overflow of tidal waters
  • Rapid accumulation of surface water runoff from any source
  • Mudflow
  • Collapse of land along the shore of a lake (or similar body of water) as a result of erosion or waves or currents of water that exceed anticipated levels.