Flood

Flood

Flood insurance is issued through the National Flood Insurance Program (NFIP), which is a part of the Federal Emergency Management Agency (FEMA). One must reside in an area that qualifies for flood insurance coverage in order to purchase policies. Almost any area in the United States qualifies, so meeting federal requirements is generally not difficult. Coastal Barrier Resource Systems (CBRS) are the only areas in the US that currently cannot qualify for flood insurance.



The federal government issues flood damage coverage, but one can purchase it through an independent insurance agent. Purchasing through an agent is an easier way for almost all consumers and businesses to get flood damage coverage. Agents make understanding risks and coverage needs easier and purchasing policies more expedient. They communicate with the federal government on your behalf and usher you through all coverage-maintenance processes.

Flood insurance helps protect dwellings of different kinds and businesses. It protects properties and contents within properties. Most flood insurance policies include three types of coverage: building, contents, and replacement costs. Each of these coverage options offers different kinds of protection.


Flood insurance can also cover the cost of items, like sandbags, used to protect a home. Coverage limits and premiums are determined by the federal government, but if you want to cover property or assets for more than the NFIP’s maximum limits, an independent insurance agent can help you determine whether or not you’re eligible for the purchase of excess flood insurance, which gives you additional coverage.

A flooded driveway in front of a house.

At Brightview Insurance & Financial Group, we help you understand all of your coverage options and match the right options with your needs.

Coverage options for properties include:

  • Building and foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, stoves, and built-in appliances such as dishwashers
  • Permanently-installed carpeting over unfinished flooring
  • Window blinds
  • Detached garages, up to 10% of building property coverage
  • Coverage options for contents include:
  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not permanently installed over unfinished flooring
  • Washers and dryers
  • Freezers and food contents
  • Valuable items such as original artwork and furs, up to $2,500
  • Replacement cost coverage is not available for personal property

Understanding your flood risk and what flood insurance typically protects can help you choose the coverage that meets your needs. This is one reason among others why it is important to speak with an insurance specialist before selecting flood insurance coverage. At Brightview Insurance & Financial Group,, our specialists help you understand your risks and find appropriate coverage. They also provide you with ongoing support and help you settle claims more quickly than the federal government can.

Share by: