flood insurance tips
Flood Insurance Direct
Flood Insurance Direct
Flood insurance directly covers losses of both property and valuables from water damages caused by weather. The amount of coverage you need will depend on the value of your property and valuables. You can purchase flood insurance through any private insurance company or the NFIP. At Holt Flood Insurance, we work with the NFIP and various private insurance companies.
When choosing flood insurance, if your home has a value of over $250,000, it is best to go with a private insurance company, as the NFIP only covers that amount. While flood insurance may seem like an extra expense, especially if you live in a low-risk flooding area, it's always better to purchase it and not use it than not to have it and need it. Those residing in high-risk areas must buy flood insurance before mortgage companies give out a loan.
Flood insurance directly covers repair costs for electrical and plumbing, furnace and water heaters, appliances, carpets and flooring, window coverings, foundations, staircases, fuel tanks, water tanks, and pumps. It also covers personal belongings like clothing, furniture, electronic equipment, valuable artwork, and furs. Flood insurance isn't limited to homeowners. Renters can also purchase flood insurance but only need content insurance.
For more information on how flood insurance directly affects you visit our website or call us at (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:
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.
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 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
