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Flood Insurance

Flood Insurance Information

Frustrated by the Complexities of Flood Insurance, not to Mention the COST?


If you find yourself on this page of our site you are likely in a FEMA established flood zone or in a newly revised
flood zone. Both are adversely affected by the "Biggert-Waters Flood Insurance Reform Act" of 2012. Beginning
April of 2014 homeowners are finding flood insurance rates going through the roof. Those with mortgages are
REQUIRED to carry flood insurance. That's bad enough, but because most homes built prior to the revised maps
are below the established flood levels, the premium for flood insurance is staggering in most cases. Especially
with the federal subsidies being removed. It's only going to get worse.

There is hope, however. We are independent agents who have partnered with Superior Flood Inc to offer a Lloyds of London
private flood insurance alternative and can possibly save you up to 50% or more on your premium for the same or better coverage
and they don't require an elevation certificate or charge a brokerage fee.

Lloyds meets or exceeds all lender requirements and is rated "A" with AM Best.

So, what now? Simply provide us with your current policy limits or the amount of coverage required and we'll provide you a no
obligation proposal. No hype. No pressure. We promise.

Or if you'd like to discuss your options, please call Dale Taylor at (505) 865-8923.  I've been providing insurance and financial
solutions in Bernalillo, Socorro and Valencia County since 1995 and references are available. We are very anxious to be at your service.

Again, simply provide us with a few basic details and we can let you know if we can help. The address of your property, the amount of
coverage required and the estimated date of construction. We look forward to visiting.



There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding? 


Option 1:
Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your c
overed losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

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