Flood Insurance

Flood Insurance

It is not a hidden fact that nature can be your closest friend and the cruelest enemy. Natural calamities are known to create havoc on humanity throughout the ages, floods being just one of them. Let’s face it – floods are scary and can be completely and totally devastating. With absolutely no control over it, the fact is that floods are also a result of man-made structural developments and failures by underestimating Mother Nature who will not be ignored.

Why do you need flood insurance?

Flood insurance is basic financial protection for any damage or total destruction to your home, property, or business, as well as coverage for those irreplaceable valuable personal belongings, antiques, artwork and family heirlooms, etc… due to flooding most usually caused by a sever weather event. Any damage to your property that’s caused by flooding and it repercussions will be taken care of. If you own properties in high flood-risk area, flood insurance is absolutely crucial for you. Flood insurance is available to anyone living in one of the 23,000 participating National Flood Insurance Program (NFIP) communities and we can get you covered.

Why choose Laurence Taylor insurance services for flood insurance?

While flood insurance can be really expensive, we get you covered for a premium that will not poke a hole in your pockets based on the level of risk exposure your property is rated for by underwriting. Typically covered for minimum premium.

What are the various kinds of flooding?

To ensure proper coverage by your flood insurance carrier, you should have an idea of what kind of flooding can affect your area. Floods occur both in coastal areas and plains close to rivers. However, heavy downpours or storms can lead to inland flooding as well. Sometimes if the drainage or flood systems in an area fails to work in a proper manner, it can lead to a huge accumulation of water building up to flood levels and possible catastrophe.

Do you live in a flood zone that has high risk?

If you live in a Flood Hazard Area that has high risk of flood, you can’t afford to not have flood insurance. Proper knowledge of your area not only helps us and underwriters rate the property and determining the levels of risk from low to high. It also enables you to determine the amount of coverage you want to get and want out of your flood insurance property.

What gets covered under the flood insurance by Laurence Taylor Insurance Services?

Flood insurance provided by Laurence Taylor Insurance Services covers a wide range of damage caused by flooding. Choose your insurance plan and go through the coverage carefully to ensure you get the most out of it. From residential properties, dwelling structures, equipment, furniture to personal property, we cover it all. Get in touch with us today to get a complete and detailed quote about the coverage you will need in the event of a flood.

Is flood insurance by Laurence Taylor Insurance Services affordable?

The entire cost of your flood insurance policy premium depends on the kind of plan you choose. But the main rating factor is your flood-zone rating – one would think the higher the risk your area poses for flooding, the higher your premiums may likely be. But this insn’t always the case. If you’re not sure what the flood risk is in your area, please check your are on the flood map here: https://msc.fema.gov/portal/home