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<%IF session("language")="spanish" THEN%>Información sobre el seguro contra inundaciones<% ELSE%>Flood Insurance Information<%END IF%>

<%IF session("language")="spanish" THEN%>Generalidades<% ELSE%>Overview<%END IF%>

<%IF session("language")="spanish" THEN%>Opciones de cobertura<% ELSE%>Coverage options<%END IF%>

<%IF session("language")="spanish" THEN%>Disponibilidad<% ELSE%>Availability<%END IF%>

<%IF session("language")="spanish" THEN%>Lo que usted debe saber<% ELSE%>What you should know<%END IF%>

<%IF session("language")="spanish" THEN%>Seguridad contra inundaciones<% ELSE%>Flood Safety<%END IF%>

<%IF session("language")="spanish" THEN%>Glosario de términos de seguros (inglés)<% ELSE%>Insurance terms glossary<%END IF%>

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Foremost Insurance for Specialty Homeowners

Devastating floods can occur throughout the United States anytime of the year. Here are some things you should consider about floods and Flood insurance.

You don’t have to live by water to be at risk. Anywhere it rains, it can flood. Approximately 25-30% of all flood claims occur in low- to moderate-risk areas.
Most Homeowners insurance policies do not cover flood damage — federal Flood insurance does. Flood insurance also covers damage from mud flow, dirt and debris resulting from moving water.
A home in a high-risk area has a 26% chance of being damaged by a flood during the course of a 30-year mortgage. That same home only has a 9% chance of a fire.
In order to receive federal assistance in the event of a flood, the President of the United States of America must declare the flood area a federal disaster. Less than 50% of floods in the U.S. are classified as federal disasters.
The most common form of Federal disaster assistance is a loan that must be repaid with interest.
Flood insurance is affordable. Flood damage is not. In 2007 alone, flood insurance claims in the United States were nearly $600 million, with an average claim of $33,356. Compare this to the average annual flood premium of $540.

Now is the best time to buy Flood insurance. Call your Independent Agent today.

<%IF session("language")="spanish" THEN%> Obtenga una cotización de seguro contra inundaciones de un agente. <% ELSE%> Get a flood insurance quote from an agent.<%END IF%>

<%IF session("language")="spanish" THEN%> Acerca de las coberturas descritas en este sitio web: Su contrato de seguro consta solamente en su póliza, no en este sitio web. La protección de su seguro podría variar de la protección de las coberturas aquí descritas, dependiendo de las coberturas estándar incluidas en su póliza y de las coberturas opcionales que compre. La información crediticia solamente se utiliza a efectos de aseguramiento o tarificación en los lugares donde lo permitan las leyes estatales. En algunos casos utilizamos un sistema de puntaje de seguros basado en información crediticia. *La cobertura podría no estar disponible en todas las áreas. <% ELSE%>About the coverages described on this site: Your insurance contract is contained only in your policy, not in this Web site. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases. *Coverage may not be available in all areas.<%END IF%>