Standard homeowners and commercial property policies typically do not cover flood damage. We help families and business owners understand separate flood insurance options, limits, deductibles, and waiting periods.
Standard homeowners and commercial property policies typically do not cover flood damage. We help families and business owners understand separate flood insurance options, limits, deductibles, and waiting periods.
Flooding is not limited to waterfront properties or designated high-risk areas. A separate flood policy may be worth considering even when your lender does not require one.
At Chadwick Insurance, we help you understand the flood coverage options available for your property, what they protect, and where their limitations matter. That includes reviewing coverage for the building and belongings, explaining deductibles, and discussing when coverage can take effect.
A flood coverage conversation is worthwhile for:
Let’s revisit your flood coverage:
Start the conversation before a storm is approaching. Waiting periods may apply, so new coverage may not take effect immediately.
We discuss the building, contents, flood zone, limits, deductibles, waiting periods, and whether residential or commercial coverage may apply.
Flood policies generally offer separate coverages for the structure (building) and your personal belongings (contents). It is important to discuss whether you need both and how the limits apply.
A waiting period commonly applies before coverage takes effect; exceptions may apply—ask an agent. Private policies may have different waiting periods than NFIP policies.
Your property's designated flood zone informs coverage requirements and may impact premiums. However, properties outside high-risk zones can still flood; we can discuss coverage options regardless of the zone.
We help families and business owners explore flood insurance options for buildings, belongings, and business property.
Your inquiry will be sent to the right person at Chadwick Insurance. For time-sensitive requests, please call our office.
If your property is in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, you may be required to carry flood insurance. Your lender determines specific requirements. However, flooding can happen anywhere, so coverage options are worth exploring even when not required.
Your property address, closing date (if applicable), and an Elevation Certificate (if you have one) can be very helpful in discussing options and costs.
Generally, no. Because waiting periods commonly apply, it is important to explore coverage well before a threat is imminent.
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