federal flood insurance program

The Federal flood insurance program is available to communities actively participating in flood management regulations set by the NFIP. Homeowners, business owners, and renters can choose to purchase flood insurance through the NFIP or a private insurance company. Not only can the NFIP provide you with insurance, but it can also give you information on flooding in your area.

Flood insurance helps protect your home from water damage caused by storms. Without it, you could be spending thousands of dollars in damages. Your regular insurance will not cover those damages, only accidental such as a burst pipe. Holt Flood Insurance can help you better understand how flood insurance works and how to purchase it.

So what does the federal flood insurance program cover? Much like flood insurance from a private insurance company, flood insurance from the NFIP covers the following, electrical and plumbing systems, appliances, furnaces, air conditioners, water heaters, fuel tanks, wells, and pumps. It also covers contents such as personal belongings, window covers, valuable items like artwork, and jewelry. There are some things that FEMA will not cover, and these include swimming pools or hot tubs, cars and other vehicles, temporary housing, and more.

For more information on the federal flood insurance program, visit our website or give us a call at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.

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Here is what our clients are saying about us:

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

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