Flood Insurance

Flood Insurance

When Waters Rise

Are you protected from the floods associated with heavy rains, hurricanes and tropical storms? Most Californians may have a hard time imagining flood waters damaging our homes in the middle of a very long drought but that lack of imagination could prove costly.

The effects of climate change have altered weather patterns, sea levels and water temperature – all of which can contribute to an increase in unprecedented flooding.

It’s an unfortunate reality that standard homeowners insurance does not cover flooding. That’s why it’s important to protect your home and belongings with a flood insurance policy.

When it comes to insurance for myself and family I go with only one thing – peace of mind that’s what I call NHC Insurance. I have our home, autos and personal property all with NHC.

The professional service and response that I get every time I talk to Julia Burdick is number one. I know that when I hang up the phone it’s taken care of – peace of mind.

Scott S.

Flood: Defined

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.

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What You Need to Know

Flood insurance protects two types of insurable property: building and contents.

The Standard FLOOD Policy Covers up to $250K MAX on the Building & $100K on Personal Property.

If you are in a “High Flood Zone” you may want to purchase EXCESS Flood Coverage.Excess flood insurance would cover costs beyond the $250,000, allowing the homeowner to insure their property for the full replacement cost.

Talk with NHC Insurance Services today to identify the best combination of coverage, value and price just for you.

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A long time friend did me a huge favor, he gave me Renee’s phone number, and said, you will never change your auto insurance agent!

After 3 years, I have no worries, I have all the help I ever could need, it only takes a phone call while I am on the road, and my insurance needs are taken care of. No more worries! Now, I recommend my friends and family to Renee!

Tom & Edith J.

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