Simple Flood Insurance Tips You Should Know
National Flood Insurance Plan
National Flood Insurance Plan
The national flood insurance plan is provided by FEMA and aims to provide homeowners, renters, and businesses with flood insurance. Flooding can happen anytime; without flood insurance, you could spend thousands of dollars on repairs. When you purchase flood insurance, you add extra protection to your home and valuables, as regular insurance will not cover water damage due to flooding caused by weather.
The cost of flood insurance varies between areas. Those who live in a higher flood risk zone will pay more than a low to moderate risk. You can buy flood insurance by contacting your insurance agent. We work with the NFIP and other flood insurance companies at Holt Flood Insurance. And we can help you with all your flood insurance questions and needs, such as applying for flood insurance through the NFIP.
There are some things the national flood insurance plan will not cover, including mold, mildew, and moisture caused by the property owner—anything outside the home, such as pools, hot tubs, patios, decks, and fences. Cars and their parts are also not covered, as are precious metals, currency, and valuable papers. Alternate living arrangements while the property is under repair may also not be covered.
For more information on the national flood insurance plan, visit our website or call us at (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.
Here is what our clients are saying about us:
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.
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!
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!
We'll help you:
Lower your current flood insurance premiums
Eliminate excessive & unnecessary coverage
Remove the FEMA from the claims handling process
