Maine Flood Insurance

Flood Insurance

Flood insurance is designed to protect you, your family and your business from a broad range of potential hazards you face in your day-to-day operation.

Standard homeowners insurance policies typically do not cover floods although, in certain flood-prone areas the federal government requires flood insurance to secure mortgage loans backed by federal agencies such as the FHA and VA.

The lack of flood insurance can be detrimental to many homeowners who may discover only after the damage has been done that their standard insurance policies do not cover flooding.

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties, at least one of which is your property from:

  • overflow of inland waters
  • unusual and rapid accumulation
  • or runoff of surface waters from ANY SOURCE, and mudflows

This flooding can be brought on by:

  • landslides
  • hurricanes
  • earthquakes
  • other natural disasters that influence flooding

It's important to note that while a homeowner may have earthquake coverage that coverage may not cover floods as a result of earthquakes.

We recognize that each industry, corporate structure and culture carries its own set of challenges, which is why we believe in one-on-one consultations.

We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect and offer clear advice in selecting a policy from a reputable and service oriented insurer.

Our approach is very different from what you may experience from a direct underwriter, especially one which provides quick quotes online.

We build close relationships with our clients to allow us to foresee their ever-changing needs.