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Flood

The average American home is more likely to suffer damage from flooding than from fire—and you don’t have to live near a body of water for flooding to affect you. Nearly a quarter of all flood claims happen in other areas. Flooding can result from various causes including storm surge associated with hurricanes and tropical storms, sudden downpours and flash flooding, prolonged rainfall or rapid snowmelt, water main breaks, and more.

Schedule a complimentary personal risk management review today for a customized flood insurance solution.

Flood Insurance Benefits

  • Government-backed NFIP and private insurer policy options
  • New flood risk rating methodology
  • Expanded coverages options based on your unique needs
  • Reimbursement for risk mitigation efforts such as sandbags, labor, and personal property removal
  • Protection for finished basements
  • Dedicated claims advocacy helps resolve claims quickly and with as little disruption as possible
  • Higher coverage limits for valuables and collections
  • Coverage for additional living expenses incurred to reside elsewhere while your home is repaired or rebuilt
  • Protection for costs to comply with laws or ordinances requiring you to repair, rebuild, or flood-proof your home after a covered loss

Do you have a plan to prepare for and recover from flood-related damage?

Download our flood e-book to get started.

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Client advocacy in action

Basement flood creates coverage questions

A client’s basement flooded after an intense storm, prompting them to file a claim with their insurer. The insurer initially denied coverage for the client’s damaged basement, stating the water loss was due to flooding, which is not covered on a standard homeowners policy. Thankfully, the client had secured flood and excess flood coverage through their MMA PCS personal risk advisor. After an additional review of the loss between the carrier and the MMA PCS Claims team, the cost to refinish the basement was covered by the client’s flood policies, saving them thousands of dollars in repair costs.

 

 

Your next steps

We make it simple to get the right flood coverage. Schedule a personal risk management review today and learn about available flood insurance solutions to meet your needs.  

Request a flood insurance quote.

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