Those who live or work in flood risk areas know the importance of flood insurance. Homes or businesses in these locations have a higher risk of being damaged by rising waters. By purchasing flood insurance, they are saving themselves thousands of dollars in repairs. And most mortgage companies won't give out a loan until flood insurance is purchased.
But did you know you that even renters can purchase flood insurance? It's true. At Holt Flood Insurance, we highly recommend that everyone buys flood insurance, whether they own their property or rent. You don't need to live in a flood zone to purchase it. Flood insurance is available to everyone, and by having it, you are giving your property that extra protection you won't find with regular insurance.
There are three levels for flood risk areas, low, moderate, and severe. And they are identified on the FEMA flood maps by the following letters, B, C, and X areas have a low to medium risk of flooding. Areas A and V have a high risk of flooding. If you are looking at properties in any of these areas, you will need to purchase flood insurance.
If you need help to understand flood risk areas give Holt Flood Insurance a call at 1(540)809-1415. We will answer any questions you may have. You can also visit our website for all of your insurance needs.
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 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 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
