FLOOD OLD

[vc_row css=”.vc_custom_1560793098479{padding-bottom: 50px !important;}”][vc_column css=”.vc_custom_1560787615631{padding-bottom: 45px !important;}”][ultimate_heading main_heading=”A lot of misconceptions exist regarding flood coverage.” sub_heading_color=”#045a97″ main_heading_style=”font-weight:bold;” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” main_heading_font_size=”desktop:21px;” margin_design_tab_text=””]Many people believe they only need flood insurance if they live in a flood-designated area or that their homeowners policy already offers them flood protection. Neither one of these is factual, as any property in any location may be at risk of flooding and the standard homeowners policy does not cover flood.

Approximately 20% of flood losses occur in areas outside a flood zone. Don’t take the risk; just a few inches of water in your home can cost thousands of dollars in damage. Get flood protection today. Everyone lives in a flood zone, but if you are not in a required flood zone area, it just means you can get flood insurance for lower premiums![/ultimate_heading][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column][dt_fancy_separator line_thickness=”1″][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHY FLOOD INSURANCE?” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading” margin_design_tab_text=””][/ultimate_heading][/vc_column][/vc_row][vc_row css=”.vc_custom_1560787254950{padding-bottom: 40px !important;}”][vc_column width=”1/2″][vc_single_image image=”2540″ img_size=”medium” css_animation=”bounceInRight” lazy_loading=”true”][/vc_column][vc_column width=”1/2″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1596289053068{padding-bottom: 10px !important;}” el_class=”product_explanation_righ_side”]

  • A homeowners or renters insurance policy does not typically cover flood damage.
  • Flooding occurs somewhere every year.
  • You don’t need to live near water to get flooded.
  • Floods and flash floods happen in all 50 states.
  • Flood Insurance costs less than you think.
  • Just an inch of water can cause more than $25,000 of damage to your property.
  • Up to $250,000 dwelling coverage is available.
  • Up to $100,000 in contents coverage is available.
  • Policies go into effect 30 days after a policy is purchased unless connected to a loan closing

[/vc_column_text][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHAT’S INCLUDED IN FLOOD INSURANCE” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading” margin_design_tab_text=””][/ultimate_heading][/vc_column][vc_column width=”1/2″][dt_fancy_title title=”HOME COVERAGE”][vc_column_text el_class=”whats_included_in”]

  • Your home and its foundation
  • Electrical and plumbing systems
  • Air conditioning, furnaces and water heaters
  • Kitchen appliances, including refrigerator, stove, oven and dishwasher
  • Carpeting
  • Bookcases and cabinets
  • Window blinds
  • Debris removal

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  • Clothing, furniture and electronic equipment
  • Window coverings
  • Window AC units
  • Portable microwaves and dishwashers
  • Carpets not covered by your building policy
  • Dishwasher, washer, dryer and microwave ovens
  • Freezer and food spoilage
  • Up to $2,500 in art, jewelry and furs

[/vc_column_text][/vc_column][vc_column el_class=”call_us_in_product_page”][vc_column_text css_animation=”bounceInRight”] Call us for a quote or questions regarding Flood Insurance at +1 713 369 0997[/vc_column_text][dt_default_button link=”url:%2Fmodern-business%2Ftestimonials%2F|||” smooth_scroll=”y” size=”medium” btn_width=”btn_fixed_width” custom_btn_width=”300″ button_alignment=”btn_center” animation=”fadeInDownBig” icon_size=”14px” icon_type=”picker” icon_picker=”far fa-question-circle”]CLICK HERE FOR QUOTE[/dt_default_button][vc_empty_space][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ultimate_heading main_heading=”FULL COVERAGE DETAILS” main_heading_color=”#045a97″ sub_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_height=”1″ line_color=”#025b95″ main_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:18px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” line_width=”60″ main_heading_font_size=”desktop:25px;”]Depending on the policy and coverage selections you make, your auto policy may provide the following coverages, subject to policy coverage limits:[/ultimate_heading][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ult_tab_element tab_style=”Style_2″ tab_animation=”Slide-Horizontal” auto_rotate=”Enable” tab_max=”on” font_icons_position=”Left” icon_color=”#031f4b” tab_describe_color=”#045a97″ container_border_style1=”border-style:none;|border-radius:3px;”][single_tab icon=”fab fa-themeisle” title=”Dwelling” tab_id=”1595641320249-3″][vc_column_text el_class=”tab_insurance_content”]

  • This covers the physical structure or dwelling up to the limit shown on your policy.
  • Coverage does not include detached structures, such as swimming pools (some Florida carriers do include this), driveways, fences, sheds or other structures not attached to the dwelling.
  • In the event of a total loss, this coverage should equal the cost to rebuild a new home.
  • Materials and labor are included and coverage is generally derived by the average cost to rebuild a home in your specific location.
  • General Perils include: Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief.

NOTE: Land value is not included in the valuation of replacement cost on your dwelling.
*Please refer to your policy for a complete list of covered perils and excluded perils. On a Condo policy, this coverage is for additions and alterations. It picks up where your master association policy ends.[/vc_column_text][/single_tab][single_tab icon=”fas fa-building” title=”Personal Property” tab_id=”1595641320345-5″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

  • This is to protect the personal belongings owned by you and located on the residence premises, up to the limit shown on your policy.
  • It includes all real property, i.e., appliances, furniture, clothing, artwork, silverware, dinnerware, cookware, audio-visual equipment, lawn care equipment, books and many other items.
  • General Perils include: Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief.
  • Some types of property such as jewelry have special limits and need to be scheduled to be fully covered.
  • It is also important to have the replacement cost on contents endorsement, so your belongings are covered at replacement cost and not actual cash value.

*Please refer to your policy for a complete list of covered perils and excluded perils.[/vc_column_text][/single_tab][single_tab icon=”fab fa-creative-commons-nc” title=”Additional Living Expenses” tab_id=”1596272988101-2-10″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

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