14 NE 1st AVENUE Ste.513
MIAMI, FL 3132
PH:   305-883-460 4                                  FAX: 305-351-8777
PROTECTING YOUR PERSONAL AND BUSINESS RISK, SINCE 2001 ​​
FLOOD INSURANCE
Floods happen fast!  
Torrential rains, clogged sewer drains, soaked grounds will contribute to catastrophic flood emergencies.  
 Floods can occur anywhere - even places that have never flooded before.
 Floods are not covered under your homeowners policy!
 Flood insurance has a small cost don't risk you belongins, protect what matter most 
      Flood Insurance 

  •  Building Coverage. Covers damage to your building and items such as the furnace and water heater
  •  Contents. Covers your furniture, rugs, appliances, and clothing (subject to limitations in basement areas and  elevated buildings). 
  •  Property Protection. Pays for sandbagging and other expenses for preventing flood damage. 
  •  Clean-Up Reimbursement. Covers costs of cleaning your home and removing debris after a flood  
 Standard homeowners and renters insurance does not cover flood damage. Flood coverage, is available a  separate policy Flood insurance will provide coverage in the event of rising water as a result of prolonged or  heavy rains, coastal storm surge, blocked storm drainage system, snow melt, levee dam failure or other such  causes that result in rising water 
 The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal  possessions. The NFIP policy provides replacement cost coverage for the structure of your home, but  only actual cash valuecoverage for your possessions. 
 Replacement cost coverage pays to rebuild your home as it was before the damage. Actual cash value is  replacement cost coverage minus depreciation so that the older your possessions are, the less you will get if  they are damaged. There may also be limits on coverage for furniture and other belongings stored in your  basement. 
 Don’t wait for a flood season warning on the evening news to buy a policy—there is a 30-day waiting period  before the coverage takes effect. No waiting period for new purchase home when lender involve.
Email or Fax us your elevation certificate and we will be please to give you a free quote



FLOOD  TIP
 
 Homeowners insurance typically does not cover flood damage
 
 Nearly 25% of flood insurance claims come from low-to-moderate risk areas
 
 It takes only a small amount of water to cause major damage to your Property.
 
 Flooding can destroy walls, floors, furniture, electrical system, saving...
 
 As it is inform by N.F.I.P. and FEMA we have to consider these facts:
 
  • Nearly 25% of all claims come from low-to-moderate risk areas.
  • Every property is at risk to some level of flooring, which can be caused by heavy rain, seasonal storms and poor drainage.
  • Last year alone, flood damage in the U.S. exceeded $600 million, with paid floor isurance claims averaging $33,356.
 
 Protect your property and yourself.
 Don't let a few inches of water destroy your savings!