Coastal communities can have a large range of flood zones varying from Beach (V Zones) to Standard (A Zones) and Preferred (C, B, X zones). As a result, clients can encounter complications with both primary and excess flood insurance coverage. Our team’s commitment and experience providing flood coverage for coastal communities allows us to provide clients with various options and levels of coverage for their flood needs.  As an agency, we often assist our clients with Elevation Certificates, Venting and Enclosure Compliance and Flood Determination Zones. These services ensure compliance with FEMA (Federal Emergency Management Agency) guidelines as well as specific flood-related town and county requirements and lenders. These services are vital to properly rate flood policies that ultimately determine a client’s premium and coverage requirements.

flood coverage includes:

  • Private Flood Market (outside NFIP)
  • Wrap Coverage for Flood
  • National Flood Insurance Program (NFIP)
  • Excess Flood