Why You Need flood Insurance

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Property covered by flood insurance:

Residential
Commercial

MORTGAGE REQUIREMENT:

If your home is in a high-risk flood zone, your mortgage lender will typically require you to purchase flood insurance. Even without a mortgage, flood insurance offers vital protection for your home and contents in case of a flood.

PROTECT YOUR HOME AND/OR CONTENTS:

Floods are not typically covered by your homeowner insurance policy.

PEACE OF MIND:        

Don’t assume you’re safe!  Even if you live in a lower- risk flood zone, you may still need flood insurance. Forty percent of flood claims reported originate from homes located outside FEMA high-risk areas.

PRIVATE FLOOD INSURANCE:  

Insurish provides access to private flood insurance companies that offer several advantages over the National Flood Insurance Program (NFIP).

There are Two Standard Flood Insurance Coverages:

Dwelling Coverage:

Covers the primary home or building located on your property.

Contents Coverage:

Protects the possessions inside your home.

Private Flood Coverage Advantages:

Private flood insurance can cost up to 25% less than NFIP.

Higher limits available with private flood insurance:

Private flood offers up to $4 million for dwelling coverage and $500,000 for contents, compared to NFIP limits of $250,000 for dwelling and $100,000 for contents.

Private flood offers additional coverages not provided by NFIP, including:

Business interruption

Loss of rental income (up to $20,000)

Temporary living expenses (up to $20,000)

Basement contents (up to $10,000)

Replacement cost coverage for contents

Unattached structures (up to $100,000)

Pool repair & refill (up to $20,000)

Private flood insurance typically has a 10-day waiting period for coverage to be in effect, while NFIP requires a 30-day waiting period.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

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Most of the flood coverage in the United States is provided by the government through the National Flood Insurance Program (NFIP), established by Congress in 1968.  This program offers flood coverage to homeowners, renters, and business owners in participating communities.

The NFIP is set to expire after this current extension expires. Recent legislation increased NFIP rates to address the program’s $24 billion deficit and mandated a study on exploring private flood coverage options.  As a result, private companies are coming forward to offer alternatives to this government program.

Even if you live in an area with a reduced probability of direct hurricane impact, you could still experience hurricane–related damage.  In fact, more than 25% of flood claims come from areas outside of high-risk zones.

If you purchase flood insurance through the NFIP, coverage will not begin until 30 days after the purchase date. This means that if a hurricane occurs within that 30-day window, your insurance won’t cover flood-related losses to your home or belongings. However, with our private flood program, you’ll receive full coverage in 10 days instead of thirty. 

NO. Flood insurance is not required by state law.  However, if you’re financing your home, mortgage lenders typically mandate a certain level of coverage.

It’s also important to note that one out of every 4 flood claims reported come from areas that are NOT considered “high risk” areas.  Also, it’s important to remember that flood coverage is not included in your homeowner’s insurance policy.

Step 1: Secure Property

  • Temporarily repair and turn off the water source.
  • Secure valuables to prevent further damage.
  • Unplug electrical appliances near the affected area.

Step 2: Start Remediation

  • Contact a contractor to repair the source of the leak.
  • Begin drying up any visible water and start the mitigation process.

Step 3: Prepare for Claim

  • Keep receipts for any out-of-pocket expenses.
  • Take photos of the damage and refrain from disposing of any damaged items.

Step 4: Contact Your Insurance Carrier

A deductible is the portion of covered expenses that you are responsible for paying out of pocket before your insurance coverage begins to apply. 

For example, if your flood insurance deductible is $1,000 and you incur $10,000 in damages, the insurance company will cover $9,000, and you would be responsible for paying your $1,000 deductible.

Private flood insurance is written and funded by private insurance companies, while the government-backed National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA). Private flood insurance is often more flexible and offers broader coverage options than FEMA’s National Flood Insurance Program (NFIP).

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.