Why Standard Policies Aren't Enough

Many property owners don’t realize that a standard homeowners policy excludes damage caused by rising water or storm surges. In our coastal environment, flood insurance isn’t just for high-risk zones—it is a fundamental component of a responsible insurance portfolio. We help you identify your specific risk level and secure coverage that fills the gaps left by your primary policy.
A modern, light-wood kitchen is heavily flooded with dark water, partially submerging several grey dining chairs and a large white island

Primary vs. Private Flood

Feature NFIP (Federal) Private Flood Markets
Building Limits Capped at $250,000 Much higher limits available
Contents Limits Capped at $100,000 Tailored to your assets
Waiting Period Typically 30 Days Often shorter (approx. 10-14 days)
Replacement Cost Primary Residences only Available for many property types

Key Considerations for Our Clients

  • Elevation Certificates: We help you understand how your home’s elevation impacts your premiums and where to find the necessary documentation.
  • Excess Flood Coverage: For homes valued above the federal $250,000 cap, we arrange “Excess Flood” policies to ensure your full rebuild cost is covered.
  • Grandfathering & Transfers: If you are buying a new property, we check if an existing policy can be assigned to you to maintain lower historical rates.
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