Flood Zone “A or V” or Preferred Zone “X”, We write Residential and Commercial Flood Insurance in Florida. Call us today at (954) 454-9599 for a Quote.

FEMA’s disaster grant program is not a substitute for an insurance policy.  BE PREPARED!


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In the last 3 years, Flood hazard is likely to be claimed by insurance companies as property damage more than a fire in the State of Florida. According to F.E.M.A., damage and destruction caused by Flood are the Nation’s top natural disasters. The standard homeowner’s insurance policy does not cover property loss caused by flooding, or in other words, RISING WATER.

It would help if you obtain a Flood insurance policy underwriting by the National Flood Insurance Program. The flood insurance policy has a maximum coverage limit available for residential properties is up to $250,000, and for commercial properties, the maximum coverage limit is up to $500,000. To obtain additional Excess Flood over and above the standard limit, we can write excess flood policy up to the $3,000,000 limit.

If your community participates in the flood management program, you are eligible to buy flood insurance coverage by calling us today at (954) 454-9599. A flood insurance policy is available to commercial residential buildings.

Check below with FEMA Flood Map Service if your property is located in the Flood Zone by Clicking the Link Below.


———— https://msc.fema.gov/portal/search ————


What are the Perils described under Residential Flood Insurance Policy?

Flood means, a general or temporary condition of partial or complete accumulation of two or more acres of normally dry land area, or of two or more properties, at least one of which is yours, by:

  • Collapse or subsidence of land – along with the shore of a lake, or a similar body of water as a result of erosion or undermining, and caused by waves or currents of water exceeding anticipated cyclical levels.
  • Rising Water – is the unusual & rapid accumulation of runoff or surface waters from any source, such as  a hurricane and an overflow of inland or tidal waters.
  • Mudflow – thus, defined as a river of liquid and flowing mud on the surfaces of normally dry land areas, as when the earth is carried by a flow of water.

Flooding is the most widespread natural disaster in Florida. According to the National Flood Insurance Program the description of Flood is:

    1. Two adjacent properties have to be underwater to call the situation a flood.
    2. At least 2 acres of land must be underwater.

What does Commercial Flood Policy Cover?

  • Commercial Building:  as a business owner, it is important to protect your commercial building against water damage caused by Flood. A commercial Flood Insurance policy has a maximum policy limit of $500,000. Excess Flood Policy is available upon request.
  • Contents: the flood policy covers all business personal property on premises, such as equipment and inventories, up to $500,000 per policy limits.

Can I get Flood Insurance Policy if my Home is Not in the Flood Zone Area?

Yes, you are eligible to purchase a Preferred Flood Insurance Policy for homes located in the X-Zone Area. Normally, premium is less costly than homes located in Flood Zone Area.

How much does it cost to get a Flood Insurance Florida Policy?

Florida has significant flood concerns from tropical storms and hurricanes. Find out today how much it cost you to insure your home or business property. Please fill out a quote request form today, to receive  a free insurance quote. Or feel free to call us now at (954) 454-9599 or toll-free at (866) 454-9555. We are here to help you.