Flood is an excluded peril on the Homeowners Policy and the coverage can only be purchased on a separate policy. The Federal Government writes the bulk of the policies through FEMA. We have been a registered agent with the National Flood Program since 1991.
Both the Government and Private Programs are constantly changing and we can provide the expertise to make sure you are getting the most coverage possible at the best price.
Little known fact is that 75% of all flood claims happen to properties not considered to be in high risk flood zones. In the recent flood in Houston 80% of the homes damaged did not have Flood Insurance.