Flood Insurance



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A.M. Best: A+

Founded in 1810, The Hartford is one of the largest investment and insurance companies based in the United States, ranking 78th on the 2006 Fortune 100 list. The Hartford is one of Business Week's top 50 performers and a top 10 property and casualty insurer.

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A.M. Best: A+

The origins of MetLife go back to 1863 when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The business catered to Civil War sailors and soldiers. In a reorganization the firm's name was changed to Metropolitan Life Insurance Company. By 1909 MetLife became the nation's largest life insurer in the United States, a position they hold today. MetLife is also becoming one of America's leading Auto and Home insurance carriers.


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A.M. Best: A

Traveler's is the second largest writer of U.S. personal insurance through independent agents, with approximately 14,000 independent agencies and brokerages countrywide. They are now # 85 on the Fortune 500 list of largest U.S. companies (2005).

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A.M. Best: A-

Fidelity is ranked 248 on the Fortune 500, and is a nationwideprovider of insurance policies, such as homeowners, auto, flood, and umbrella. They landed on Fortune's list of most admired companies and in 2004 were named as one of America's best managed companies. They offer Arizona Auto Insurance, Arizona Home Insurance and other insurance products.

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A.M. Best: A

Safeco startled the established insurance industry in 1923 when it organized as a company in Seattle, Washington, far from the recognized insurance centers at the time, located in Northeast. In 2004, Safeco sold its life and investment operations to focus solely on property and casualty insurance. In 1998 Safeco secured the naming rights to the Seattle Mariner baseball park.


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Flood Insurance

Flood losses are not covered by your homeowner's policy. This is a common misconception that homeowner's insurance covers flood damages.

Congress established the National Flood Insurance Program (NFIP) in 1968 as a way to provide protection to consumers. While your agent can write a flood policy on your behalf, all flood policies are written through the NFIP.

The following statistics are provided by F.E.M.A.

Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire. About 25% of all flood claims are for policies in low- to moderate-risk communities. Since 1978, over $31 billion for flood insurance claims and related costs have been paid.

Over 5 million people currently hold flood insurance policies in more than 20,000 communities across the U.S.

A "flood" as described by the NFIP is simply “an excess of water on land that is normally dry.

You don’t have to live near a river or ocean to be at risk for a flood. The most common type flood occurs from a flash flood, which can strike anywhere at any time when a large volume of rain falls within a short time. Even a couple inches of rain can cause your home to suffer flood damage.

A standard flood policy will cover structural damage, furnace, water heater and air conditioner, flood debris clean up, and floor surfaces. You can usually buy added coverage for furniture and other items.

If you live in an area considered a high-risk area, federal law requires you to purchase flood insurance. Typically, your mortgage company will inform you during the closing process or your real estate agent during the purchase process if your home is in a flood zone.

A homeowner can cover their home for up to $250,000 and contents for $100,000. A renter can cover their belongings up to $100,000.

 
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