In South Florida, flood risk isn’t hypothetical — and it isn’t covered by a standard homeowners policy. We place NFIP and private-market flood coverage for your building and what’s inside it.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
Everyone is in a flood zone — the question is which one. A significant share of flood claims come from outside high-risk areas, where premiums are also lowest.
NFIP policies typically carry a 30-day waiting period, so you cannot buy coverage as a storm approaches. Private-market options sometimes bind faster. Buy before hurricane season, not during it.
$250,000 for the building and $100,000 for contents on a residential policy. Excess flood coverage from the private market fills the gap above that.
Coverage below the lowest floor is sharply limited, and detached structures generally need their own policy. We walk your property and tell you exactly what is covered.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.