Flood & Excess Flood

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954-582-5800

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531 North State Road 7 Margate, FL 33063

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Flood & Excess Flood Insurance

Flood and excess flood insurance are crucial for protecting individuals and businesses from the financial devastation that can be caused by floods. While many people believe that their home insurance policy covers flood damage, this is often not the case. Flood insurance is a separate policy that covers damage to a property caused by flooding, which can result from natural disasters, heavy rain, and other events. Excess flood insurance provides additional coverage beyond what is offered by a standard flood insurance policy. Without flood and excess flood insurance, property owners risk incurring significant financial losses that can take years to recover from. By investing in these policies, individuals and businesses can protect themselves from the unpredictable and potentially devastating effects of floods.

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If it would cost more than $250,000 to replace or repair your home, a standard flood policy won't be enough. Let's assume it would cost $750,000 to rebuild your home. That leaves $500,000 not covered by a standard flood policy. Excess Flood Insurance can increase your standard single-family coverage by up to an additional $500,000 - covering up to $750,000 total. Have a business? Extend your structure coverage from $500,000 up to $1 million. Contents coverage? Whether a homeowner or business owner, you can purchase up to $100,000 above the existing coverage cap (for a total of $200,000 for a single-family structure and up to $600,000 for a business structure). Excess Flood limits could be even higher in your state. Ask your independent agent for details. Flood is the #1 natural disaster in America. Flood and excess flood policies offer you coverage for physical loss and damage caused by flood or rising water. A standard homeowners policy does not insure your home or belongings for the risk of flood. A separate flood policy is required.
The National Flood Insurance Program policy covers you up to $250,000. If you home is worth more than that, you should consider Excess Flood which takes over where regular flood insurance leaves off.
Excess Flood policies have no deductible; however, your Primary Flood policy does.
Yes, you can transfer the policy to the new owner by submitting a copy of the settlement statement to the company, along with a request signed by both the prior homeowner and the new homeowner.
Yes, you can insure a secondary, seasonal, or rental property policy under the Excess Flood program. No extra fees apply.
You will have to wait for the Primary Flood policy claim to be settled, prior to filing the Excess Flood policy claim. Proof of the settled Primary Flood claim will be required to file the Excess Flood claim.

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