Home insurance for flood risk areas is for those who live in communities prone to flooding. However, regular home insurance will not cover water damages caused by weather. To have coverage for your property and contents, you must buy flood insurance either from an insurance agency or through the NFIP.
Flood risk is classified as low to moderate or high risk. Those who live in high-risk flood areas must purchase flood insurance before banks give out a mortgage. And while lower-risk areas aren't required to buy flood insurance, it's recommended that flood insurance be purchased as flooding can happen anytime. Without flood insurance, you could spend thousands of dollars on repairs. Flood insurance is also available for renters.
If you need information on home insurance for flood risk areas, Holt Flood Insurance is here for you. We can help you determine which areas are at risk for flooding and at what level. Along with assisting with flood information, we can help you find an insurance company that works for you. If you already have flood insurance and would like us to look at your current rate to see if we can find you a better one, we can do that.
For more information on home insurance for flood risk areas, 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.
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 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
