Flood

Why You Need Flood Insurance

Flood damage can happen anywhere, not just in high-risk areas. Whether it’s from heavy rain, river overflow, snowmelt, or storm surge, flood damage can devastate homes and businesses alike. Here’s why flood insurance is essential:

  • Comprehensive Coverage: While a standard property policy typically excludes flood damage, flood insurance offers specialized protection for your structure and contents.
  • Financial Security: Even one inch of water can cause thousands of dollars in damage. Flood insurance can help you rebuild and recover faster.
  • Flexible Options: We offer policies through the National Flood Insurance Program (NFIP) and private insurers, allowing us to tailor your coverage to meet your needs.

What is a flood?

A flood is defined as a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Your flood risk is based on history, rainfall, river-flow and tidal-surge data, topography, flood-control measures and changes due to building and development.

Sewer backup and sump pump failure coverage caused by backup through sewer and drains is available on most homeowner policies. However, it specifically excludes damage that occurs where surface water flooding occurred. There is a difference and distinction between flood coverage and this coverage. Ask your Robertson Ryan agent for details.

Don’t wait until it’s too late. Protect your property from the financial impact of flooding with a customized flood insurance policy from Robertson Ryan.

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Contact us today to get a personalized flood insurance quote or to speak with an agent about your coverage options.

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