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Flood Insurance


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Flood Insurance Information

There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

Flooding is a national problem.

In 1968, Congress created the National Flood Insurance Program (NFIP). This was needed because of the sharply rising costs of emergency relief to property owners after a flood. Federal Emergency Management Agency (FEMA) manages the NFIP, and works with almost 20,000 communities across the country to enforce floodplain management ordinances.

Millions of homeowners now have valuable protection against a flood loss. It is available to every resident of communities that participate in the NFIP, regardless of whether the structure is located in a mapped flood plain. Flood insurance can be purchased through us or the NFIP directly. There is a 30-day waiting period before coverage under a new policy takes effect.

Please let us know if you would like to discuss this often overlooked coverage.

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P.O. Box 374
Mishawaka, IN 46544

Ph: 574.252.2100
Ph: 866.993.2396
Fx: 574.252.2101
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