A flood can happen anywhere and anytime, whether your property resides inland or in a low-lying area. Flood insurance must be purchased separately because damage from flooding is not covered under typical homeowners, renters, condominium and landlord policies.
Flood insurance covers your property and possessions damaged as a result of a flood – even if a disaster isn’t declared.
Keep in mind that most flood insurance policies have a 30-day waiting period for coverage to take effect. Purchase a flood insurance policy now to avoid delays.
Ask about our Private Flood Program which offers lower rates than the National Flood Insurance Program (NFIP) and additional features such as no 30-day waiting period, more deductible options, and higher limits for dwelling and contents. In addition, current Centauri Homeowners Insurance policyholders may qualify for our companion Flood Policy Discount.
The federal government, FEMA, manages the National Flood Insurance Program (NFIP). Most people are eligible to purchase flood insurance as long as their community participates in the program. Visit FloodSmart.gov for more information about NFIP.
May and June mark the start of hurricane season. While weather preparedness is necessarily a year-round exercise (as evidenced by the tornado and hail events that struck policyholders in several states this spring), the increased risks posed by hurricane season call for heightened vigilance and readiness.
Just as we maintain a comprehensive catastrophe plan to respond to an event, your customers should be encouraged to maintain a plan for their families that can be called upon if a severe storm does strike:
Most importantly, the safety of your customers and their loved ones should always come first! For more hurricane information and tips, visit our Disaster Preparedness page.