Buying a home, facing a renewal, or just told by your lender you need flood insurance? We compare NFIP and private carriers for you and walk you through every step.
About 60 seconds. No obligation.
Rather talk now? Call (205) 451-4294
Here's exactly what happens next:
Have an Elevation Certificate or a letter from your lender? Keep it handy. It can help us get you a better price.
On a deadline? Call (205) 451-4294.
It usually shows up as a surprise. Then come the questions: which zone am I in, is this price fair, is the NFIP my only option, and will it actually pay if water gets in?
The closing date is set, and the lender won't fund the loan without flood coverage in place.
A quote or renewal came in higher than you expected, and nobody can explain why.
Basements, contents, deductibles. The fine print is where most people get surprised, usually at claim time.
You shouldn't have to become a flood expert to protect your home. That's our job.
"Years ago I bought a house in a flood zone. My insurance agent gave me the wrong information, and I almost lost the house. My background was in emergency management and flood mitigation, and it still happened to me.
That's why we built an agency that does nothing but flood, so you get straight answers before you buy, not surprises after."
Three steps, and we do most of the work.
Your contact info, the property address, and a few quick yes or no questions. About 60 seconds.
We compare NFIP and private carriers and explain the differences in plain English, including what each one won't cover.
Pick the policy that fits. We get it in place and send proof of coverage to your lender.
No sales pitch. These are the questions we hear every day, answered the way we'd answer a friend.
It depends on the property, and anyone giving you a number before they see the address is guessing. Price is driven by the flood zone and the home's actual flood risk, its elevation, the foundation type, what it would cost to rebuild, the coverage you choose, and your deductible.
If you already have an NFIP policy, most renewals can't go up more than 18% in a year. The fastest way to a real number is a quote on your address.
No. Since 2019, lenders on federally backed mortgages have been required to accept qualifying private flood policies. Private flood is often worth comparing, and sometimes the NFIP is still the better fit. We quote both so you can see the difference.
Usually for properties with a history of repeated flood losses, and in high risk areas where private rates swing from year to year.
One thing most people don't know: if you leave the NFIP for a private policy and later come back, you can lose your NFIP pricing and pay the full risk rate. We'll tell you if that applies to you.
Probably less than you think. The NFIP generally won't cover a finished basement's finishes and contents, and most private carriers won't either if the basement is below grade on every side. Walkout basements have fewer limits.
We'll show you exactly what each option covers in the basement before you buy, not after a claim.
Almost always. Building coverage repairs the house. Contents coverage replaces your belongings. For a primary home, we usually suggest contents at about half the building amount.
If the policy is required for a loan closing, the NFIP's usual 30 day waiting period doesn't apply, so coverage can start at closing. Otherwise NFIP policies generally wait 30 days, and many private policies have shorter waiting periods.
We use it to quote your property and to contact you about your quote. We don't sell it to anyone. And because flood is all we sell, nobody will call you about car or home insurance.
You can. Many agents write flood occasionally. It's the only thing we do, every day, with both NFIP and private carriers. And because we don't sell home or auto, we'll never try to take the rest of your insurance.
We place NFIP and private flood policies across the country. We are not currently writing new business in Louisiana or New York.
It takes about 60 seconds to start. We take it from there.
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