Excess flood coverage is a type of flood insurance you can purchase from a private insurance company in addition to your NFIP coverage. NFIP policies only cover damages up to $250,000. While excess flood insurance is another expense, it might be a good idea to purchase it if your home is worth over $250,000. Remember that flood insurance may not cover items stored in a basement damaged during a flood.
Holt Flood insurance has over 30 years of flood insurance experience and has served thousands of customers. So when you need help with any of your flood insurance needs, we are here. There has never been a problem we couldn't solve, and if we don't have the answer for you. We'll do our research and get back to you as soon as possible.
Deciding if you need excess flood insurance coverage is one of the many ways we can help you. We can look at how much your house and contents are worth and the flood risk for your area. Properties in high-risk areas should already have flood coverage, as it's mandatory for all properties to have flood insurance before mortgage companies give out a loan.
For more information on excess flood insurance, visit our website or call us at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
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! Ken Reuwer 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. Edward Semambya, CPA 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! Mike Edwards
