No flood insurance What to do

I have no flood insurance. What to do next? It is a question clients will ask when contacting us. And the first thing we tell them is not to panic. They are not without help. FEMA provides grants to individuals without flood insurance to fix their homes. This grant is called the individuals and household program or IHP.

The IHP is available to those living in an area devastated by a catastrophe which includes flooding. These grants can help restore homes to liveable conditions. While grants can go up to $33,000, there is no guarantee anyone will receive that amount. You could receive much less. The IHP is only intended to make your home livable again and will not cover any valuables. Those with flood insurance can apply for the IHP while waiting for their flood insurance claim. However, they will have to pay it back once they receive their flood insurance payout.

No flood insurance. What to do? The first thing you want to do is apply for the IHP. Next, you will want to contact a flood insurance agency such as Holt Flood Insurance to apply for flood insurance to protect yourself against future floods. With over 30 years of flood insurance experience, we can help you with all your flood insurance needs.

For more information on having no flood insurance and what to do, visit our website or call us 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

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