Depending on location you can purchase flood insurance from our agency through the National Flood Insurance Program. The National Flood Insurance Program is backed by the U.S. Government.
Your homeowner's insurance and many other property policies do not cover flooding, therefore you need a separate flood insurance policy.
Most floods are caused by hurricanes and tropical storms, but these natural disasters are not the sole causes. Floods are also caused by rising river waters, flash flooding from heavy rainstorms. Heavy rain can also easily overwhelm the drainage infrastructure and if water can't flow out or sink into the ground, it will cause a flood.
We strongly advise everyone residing in the Gulf Coast area to purchase flood insurance, even if their property is not officially in a flood plain.
Because we offer different types of policies through various companies, coverage varies.