Flood COVERAGE

Flood insurance policies are offered through High-Touch by our trusted leading flood insurance providers.  We are able to offer a private alternative to the National Flood Insurance Program (NFIP). Offers up to $4 million of building coverage and $500,000 for your contents are available. 

As a homeowner, protecting your property from flood damage is always a key concern.   The majority of homeowners policies do not cover any damages caused by a flood.  The misconception is that only coastal areas are at high risks for flood damage.  Creeks, Rivers, dams, heavy snowmelt and pouring rain can all lead to unexpected and sudden flooding of your home.   25% of flood claims happen outside what the federal government labels as “high risk” zones.

On top of offering higher limits on dwelling and contents coverage, our carriers offer additional coverage options that are not available through the NFIP to help protect more of your home and keep your life moving forward in the aftermath of a flood.

Many people find out too late that they are at risk for flooding, and even worse, that their property insurance policy does not cover damage caused by flood. A flood insurance policy can provide the specialized coverage you need to help protect your home, apartment or condo from rising waters.

Neptune Flood offers an option to add coverages to help protect your assets that are not covered in the National Flood Insurance Program. Additional coverages are available by endorsement and include:

• Temporary Living Expenses (up to $10,000): If you are unable to live in your home as a result of a covered loss, Neptune Flood will reimburse up to $100 per day for temporary housing and up to $35 per day for food for each family member residing in the home during this time, for up to three months.
• Basement Contents (up to $10,000): The NFIP provides very limited coverage for contents located in a basement including air conditioners, washer/dryer and freezers. If you have furniture or other personal property in a basement, it would not be covered under the NFIP in the event of a flood loss. If you have personal property in a basement, you will want to consider adding this coverage with Neptune Flood.*
• Pool Repair and Refill (up to $10,000): The NFIP specifically excludes coverage for swimming pools. With this endorsement, Neptune Flood offers coverage for swimming pool repair and refill costs.
• Unattached Structures on Property (up to $50,000): Neptune Flood will pay for covered damage to unattached structures up to the total limit purchased.**

• Floods are the most common and widespread of all weather-related natural disasters.
• The average flood payout by the NFIP for homes is $52,000.
• According to FEMA, 25% of all flood claims are located outside of “high risk” A and V zones.

• 1-4 family dwelling, including condos for unit owners.

Homes that are NOT eligible for flood insurance through Neptune Flood:

• Properties with more than one flood loss, or a flood loss greater than $25,000.
• Manufactured or mobile homes.
• A building located partially or entirely in, on or over water.
• CBRA (Coastal Barrier Resources System) properties.