Flood Insurance: Protection When You Need It Most
Floods can happen when you least expect them, leaving devastation in their wake. Protecting your home or business from flood damage isn’t just a precaution—it’s peace of mind. At The Michaels Group, we understand the unpredictable nature of floods, and we’re here to help you prepare before it’s too late. With personalized flood insurance policies, we’ll ensure you’re ready for whatever comes your way.
Why Choose The Michaels Group?
- Tailored Coverage: We customize flood insurance policies to fit your specific property and risk level.
- Access to Top Providers: We work with over 25 leading insurance carriers to find the best coverage at competitive rates.
- Expert Guidance: We’ll help you understand your flood zone and coverage needs without the hassle.
- No Broker Fees: Receive professional service without paying extra fees.
- Decades of Trust: As a second-generation agency, we’ve been helping families and businesses secure flood protection for years.
Key Features of Flood Insurance
Building Property Coverage
Protects your home or business structure, including the foundation, electrical systems, and plumbing.
Personal Property Coverage
Covers your belongings, such as furniture, appliances, and valuables, from flood-related damage.
Temporary Living Expenses
Covers costs if your property becomes uninhabitable due to flood damage.
High-Risk and Low-Risk Zone Options
Policies available for both high-risk and low-risk flood zones.
Customizable Add-Ons
Tailor your coverage to include additional protections based on your specific needs.
FAQs About Flood Insurance
Do I need flood insurance if I don’t live in a high-risk flood zone?
Yes! Flooding can happen anywhere, and more than 20% of flood insurance claims come from properties outside high-risk zones.
Is flood insurance included in my homeowners policy?
No, flood insurance is typically a separate policy. We can help you add this important protection.
How are flood insurance premiums determined?
Premiums are based on factors like your property’s location, elevation, flood zone designation, and coverage limits.
What does flood insurance not cover?
It doesn’t cover damage caused by moisture, mildew, or mold unless they result from a covered flood event. Items outside the building, like landscaping, are also not covered.
