Count on HaasHaas + Associates to help you navigate your way to the most appropriate and affordable flood insurance protection for your home, property, and belongings.
Homeowners insurance is NOT flooded insurance; it does not generally cover the hugely expensive damage and displacement caused by flooding, or repair and restoration costs. Only flood insurance can do that. Even if you live on “high ground,” record rainfalls, blocked storm drains, storm surges, and heavy snowmelt could cause flooding and real heartache.
The independent insurance agents of HaasHaas + Associates will assist you in determining what type of flood insurance is appropriate for your property’s geographic location and history of flooding.
Preferred Risk Flood Insurance: for properties in areas of low-to-moderate risk of flooding, low-cost preferred risk policies can provide all the protection you need most economically.
Standard Flood Insurance: In higher-risk communities that participate in the National Flood Insurance Program (NFIP), you can apply for separate building and contents flood insurance which includes very specific definitions and limitations.