Live in or near a
High-Risk Flood Area?
Not Sure?
Preparation is key when it comes to keeping your home and your possessions out of deep water.
While the National Flood Insurance Program establishes flood insurance rates, we can take you through your options and help you understand the risk in your area. We are always available to answer any questions you might have about your policy and provide flood prevention tips. Contact Us for more assistance.
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Ask us about our home and auto discounts!
Call us!
281-357-5200
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Did you know floods can happen anywhere? It’s true. In the U.S., floods occur more often than all other natural disasters except fires.1 Furthermore, it only takes one foot of water to destroy up to 60% of the contents in your home. However, home, renters and condominium policies don’t cover flood losses.
Can You Risk Living Without Flood Insurance?
Whether you live in a house, apartment or condominium, your valuable possessions should be protected. Without coverage, the time and cost it takes to recover your belongings can make a bad situation even more difficult. Even if you qualify for Federal Disaster Assistance, which may be offered after floods occur, it may not be enough to recover all of your property. And, while disaster home loans may be an option, you also risk having to pay them back — with interest — for an average of 18.5 years.
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National Flood Insurance Program to the Rescue
Through the National Flood Insurance Program (NFIP), the federal government provides two types of flood insurance. Each policy is tailored to protect you and your home based on the flood zone where you live. Our insurance provider is an active participant in the NFIP. As your insurance agent, we are here to offer you the knowledge and expertise necessary to determine your eligibility for Flood Insurance protection.
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Why Choose Sembera Insurance Agency?
What differentiates companies offering National Flood Insurance is the level of service provided by the agent and company throughout the policy period and during the settlement of a flood loss. By selecting National Flood Insurance coverage through our insurance provider, you’ll have peace of mind knowing you’ll receive a high level of customer service when you need it most.
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Being prepared for a flood is the best way to protect your home. Our insurance provider offers two types of flood coverage options that are sponsored by the National Flood Insurance Program. Find out which coverage may apply to the area in which you live.
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Rate Determination
When determining the flood rates, the Federal Government rewards the efforts of each community to reduce the risk of flood damage. Find out what your community should do to receive great incentives.
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Do You Have Gaps in Coverage?
Insurance is more than just a necessity. It helps secure what’s important to you.
Together, we can take a look at your overall coverage needs and create a plan. We’ll help you consider the insurance options that address your unique needs. And we’ll be there to help you reevaluate and update your policies as your needs change over time.
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