What flood insurance is
Flood insurance covers direct physical damage from flooding, like rising water. It's separate from your homeowners policy, which generally excludes it.
Federal or private
Flood policies come from the National Flood Insurance Program (NFIP), which is backed by the federal government, or from private companies. Limits, waiting periods and pricing differ. What's available depends on your property. We'll explain what applies to yours.
Don't wait for a storm
Typically there is a 30-day waiting period between buying an NFIP flood policy and the date coverage starts, with some exceptions, for example when the policy is bought in connection with a mortgage. That's why it's better to ask before a storm is on the radar.
Does my lender require it?
Homes and businesses in high-risk flood zones (Special Flood Hazard Areas) with mortgages from federally regulated or insured lenders are required to have flood insurance. In other areas, a lender may still ask for it. Even when no one requires it, it can still make sense.
Where we help
We help homeowners and business owners in Coconut Creek, Coral Springs, Pompano Beach, Fort Lauderdale, Boca Raton and across Broward and Palm Beach counties.