flood policy

A flood policy is a type of insurance that protects homes and properties from water damage caused by flooding. This is also known as flood insurance. At Holt Flood Insurance, we have helped thousands of customers find insurance companies and rates that work for them.

Flood insurance is available for anyone to purchase, whether they own their own home or business or rent. We recommend that everyone buys flood insurance regardless of the level of flood risk where their property resides. With climate change comes more severe storms, and severe storms bring high levels of rain and snow, which increases the risk of flooding for any area.

Homeowner's insurance does have a flood policy, but it only covers accidental flooding, such as a leaking pipe or appliance. However, you should still purchase the additional flood insurance as added protection to your property. Some mortgage companies will not give you a loan unless you buy it, especially if you are looking into a property located in an area at high risk for flooding. No matter where you live, you should have it as flooding can happen to anyone.

For more information about how a flood policy works or about how we can help you visit our website or give us a call at 1(540)809-1415. We will answer any questions you may have. Contact us today!

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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.
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

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