flood insurance tips
100 Year Flood Map
100 Year Flood Map
A 100-year flood map is a tool used to indicate the areas at risk for flooding when the forecast calls for a large amount of rainfall. But the term is often misunderstood, and some people believe that the area will receive the equivalent of 100 years of rain, but that's not the case. It simply means the chances of high flooding occur once every 100 years.
Flooding can happen to anyone, anywhere, no matter where you live. So it's important to keep your property and valuables protected by purchasing flood insurance, as your regular homeowner's insurance will only cover you if the flooding is accidental, such as a burst pipe or if your water heater leaks. If you don't have flood insurance, damages caused by severe weather can end up costing you thousands. At Holt Flood Insurance, we can help you find a flood insurance rate that works for you.
Areas marked Zone A and V are on the 100-year flood map because they are at a higher risk for flooding than other places. And if you are thinking about purchasing a property in those high-risk areas, you are required to buy flood insurance, as your mortgage company will not give you a loan until you do so.
For more information on the 100-year flood map, visit our website or give us a call at 1(540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today!
Here is what our clients are saying about us:
We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
We'll help you:
Lower your current flood insurance premiums
Eliminate excessive & unnecessary coverage
Remove the FEMA from the claims handling process
