Flood Insurance

Let VIG help you protect you, your family, and your property

Anywhere it rains, it can flood.

A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mud-flow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you have not experienced a flood in the past, does not mean you will not in the future. A number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development are all reasons you could flood.

Coverage

Flood insurance provides coverage for improved property (buildings/structures) or personal property damaged from the sudden and temporary natural accumulation of water. The peril of Flood is excluded in the typical homeowners policy. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Over the past 10 years, the average flood claim has amounted to nearly $48,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance may be available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

Policy forms can provide coverage for buildings and contents with your agent, since contents coverage is optional. There is typically a 30-day waiting period from date of purchase before your policy goes into effect. Please discuss your options with one of our professional agents.

Flood-Hazard Maps

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

 

Other Available Policies:

Commerical Insurance

Coverage for losses and damages  to commercial property.

Auto Insurance

Auto coverage protects you against different types of losses.

Home Insurance

Coverage consists of coverage for your dwelling and your personal property.

Questions?

Send us a message and we will get back to you as soon as we can.

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