Flood insurance covers losses to your property caused by flooding. From structural and mechanical damage to flood debris clean-up and floor surfaces (like carpeting and tile), your investment is protected by a flood insurance policy, something that your homeowners policy does not offer.

Having flood insurance gives you many benefits. Not only is coverage there when you need it, but it also:

• Compensates for all covered losses

• Compensates for flood damages even if federal disaster aid is unavailable

• Pays for your covered losses, unlike interest-bearing loans through federal disaster assistance

• Comes in low-cost policies for those who qualify

• Guarantees compensation for flood damages because the Federal government backs NFIP flood insurance

• Helps you move on – if your property is damaged by flood, your agent is there to help you handle your claim (note: most claims are paid within 30 to 60 days)