Flood excess insurance


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Flood excess insurance

Flood excess insurance is a type of flood insurance that homeowners will need to purchase if their home's value is more than the $250,000 amount covered by the NFIP. The cost for this type of insurance will depend on the value of the property and the flood risk level for the area.

If you are worried about costs, preventative measures will lower your flood risk, which will also lower how much you'll pay for flood insurance. These measures include elevating utilities such as heating and cooling units and electrical panels, installing flood openings, fill in basements, pushing your home further away from bodies of water, and more. You can also give Holt Flood Insurance a call to see other ways to lower your rates.

So what does flood excess insurance cover? Depending on your insurance provider, they may cover loss of income. Living expenses should you need to stay elsewhere during renovations and preventative measures such as sandbags. There is also no maximum limit for cover but always check with your provider to see what costs they will cover.

Flood excess insurance can get complicated, but Holt Flood Insurance is always here to help with all your flood insurance needs. With over 30 years of experience and thousands of customers served, there has never been a problem that we couldn't solve. Visit our website or give us a call at 1(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


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