Two identical homes. Same neighborhood. Same flood. One small decision made all the difference.
When disaster struck Lake Papelon, Nebraska in Spring 2018, two identical homes suffered the same flood damage. But one family's smart insurance decision made all the difference between financial disaster and peace of mind during recovery.
"When both our homes flooded, we assumed the same insurance would cover the same things. But our neighbor had the basic NFIP policy and ended up draining their emergency fund and exploring a second mortgage. We focused on recovery. They were stuck in survival mode." -Sarah, Lake Papelon homeowner
Total additional living expenses fully covered by private flood insurance
=$24,000
Return on investment in just one flooding event
=1,820%
Two identical homes suffered the same flood damage. One family, who had basic NFIP coverage, had additional living expenses after the flood that added up to $3,000-$4,000 per month. Over a 6 month recovery time, that added up to $18,000-$24,000 out-of-pocket. The family's home was uninhabitable, forcing them to deplete their entire emergency fund and even consider a second mortgage.
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Sarah's family added private flood insurance to complement her NFIP plan. It cost her only $21/month and covered everything that NFIP didn't. Without it, she would have faced:
- 6+ months of hotel costs
- Extra childcare and commuting costs
- Massive mental overload
Want the Same Peace of Mind?
Let us show you what a private insurance policy could do for you.
Schedule a Personalized Flood Insurance Review
We'll calculate your current NFIP coverage vs. private options:
Your potential displacement costs
Risk exposure based on your zip code
Your home value vs. actual coverage gaps
Build a Custom Flood Protection Plan
Tailored recommendations based on:
Home size + family needs
Local flood maps + risk zones
Budget + long-term goals
Secure Your Policy Before Storm Season
Most private flood insurance can be active in 24-28 hours. Don't wait for a 30-day NFIP waiting period to run out.
Don't wait for the next flood to realize you need better coverage.....
The question isn't whether you can afford private flood insurance, it's whether you can afford to be without it when disaster strikes. Sarah's story shows that an extra $21 per month provided $24,000 in covered expenses and invaluable peace of mind when her family needed it most.
Ready to protect your family's financial future? Schedule your free flood insurance review today and discover how comprehensive coverage can transform your flood risk from a potential financial disaster into a manageable situation.
