Bankers Insurance wants to help you save on flood insurance costs! Know all your options. The National Flood Insurance Program is not your only choice. As an independent insurance agency, we will shop your coverage and present you with available options.
Your home or business does not need to be located in a flood plain to experience flood damage. Twenty percent of all flood claims occur in moderate or low-risk areas. According to the Federal Emergency Management Agency (FEMA), flooding is the nation’s most common natural disaster, topping hurricanes and earthquakes. Flood can be caused by storm surge (typical in coastal areas) or simply from too much rain.
Flood insurance is not covered by standard homeowners or business insurance policies. It’s that simple. However, quotes are easy to obtain and the coverage is more affordable than you might imagine. Today, not all flood insurance is the same. You have options. Let our experience at Bankers Insurance provide you with a free, no obligation quote.
Home flood insurance is available for homeowners, renters, and condo owners or renters.
Minimal amounts of water, just and inch in your home or building, can cause significant structural damage. Flooring, molding, wallboard, electrical, plumbing, and even heating and air conditioning systems can all be damaged by even a minor flood event. Cleanup and mitigation costs are a major percentage of every loss. Flood insurance means you’ll be reimbursed for all covered expenses.
NFIP flood insurance policies require a 30 day waiting period for coverage to go into effect. The waiting period can be waived if a lender is requiring the coverage due to a new home sale or increasing, extending, or renewing a loan. Certain private market flood policies have shorter waiting periods.
Our simple flood quote form is all that is needed to get the process started. Complete it and an agent will be in touch with you in short order. Our form includes all the information needed to quote a private flood insurance policy, a program offering the same coverage as the NFIP but with a greatly streamlined application process.
Determining your risk of flood can be determined by by contacting us or by using opens in a new windowFEMA’s flood mapping tool.
For coverage to apply, a flood needs to occur. Most flood insurance policies recognize a very broad definition of “flood” which is:
“A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: overflow of inland or tidal waters; and unusual and rapid accumulation.”
Floods are caused by multiple issues, acting alone or together with others.
Anyone can be an order-taker. Bankers Insurance is different.
We don’t expect clients to be flood insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.
As your insurance agent, we strive to know you. Only then can we suggest coverage that fits. We look for coverage gaps and offer protection. With us, you get the benefit of:
Each of our clients is assigned a specific insurance agent in our office and provided a phone number that rings on their desk. And each agent has a backup in case they are out for any reason. Though any one of our agents can help, nothing beats speaking with the person familiar with your account.
Bankers Insurance is local. Our agents live in the neighborhood. No one enjoys talking to a call center or exchanging email when in urgent need of service or if a claim arises.
We serve our clients with dignity and respect.
Want to pay for your flood insurance directly to the company? Monthly? By credit card? We can find a billing option that suits you.
Product and service are important, but with Bankers Insurance you also get low pricing. Our insurance companies compete for your business, resulting in low prices for you.
We primarily represent “A” rated insurance carriers, verified by AM Best. Our flood insurance products are designed to meet a variety of needs. We tailor insurance coverages to you.
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