Flood Insurance

Flood Insurance

Flooding is one of the most common and costly natural disasters, and it can happen anywhere, not just in high-risk areas. Unfortunately, most standard homeowners insurance policies do not cover flood damage. At O'Grady Insurance, we offer specialized flood insurance to protect your home, belongings, and financial stability in the event of a flood. Our flood insurance policies are designed to provide you with the peace of mind that comes from knowing you’re prepared for the unexpected.

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What we offer

Building Property Coverage

Flooding can cause extensive damage to your home’s structure, including the foundation, walls, flooring, and electrical systems. Our building property coverage ensures that your home is protected, covering the costs of repairs or rebuilding after a flood. Whether you live in a high-risk flood zone or an area with occasional flooding, this coverage is essential to safeguarding your most valuable asset.

Personal Property Protection

Your home is filled with personal belongings that are important to you—furniture, electronics, clothing, and more. Our flood insurance policies include personal property protection, which covers the cost of replacing or repairing your belongings if they are damaged or destroyed by floodwaters. This coverage extends to items in your basement, which are often at the highest risk during a flood.

What we offer

Loss of Use Coverage

If a flood renders your home uninhabitable, our flood insurance includes loss of use coverage, which helps cover the costs of temporary housing and other living expenses while your home is being repaired. This ensures that you can maintain your standard of living and focus on recovery without the added stress of unexpected expenses.

Coverage for Detached Structures

Flooding doesn’t just affect your home—it can also damage detached structures on your property, such as garages, sheds, and fences. Our flood insurance policies can include coverage for these structures, ensuring that your entire property is protected.

For Flooding

Frequently Asked Questions

  • Is flood insurance required by law?

    Flood insurance is required by law for properties in high-risk flood zones that are financed through federally regulated or insured lenders. However, even if it’s not required, flood insurance is highly recommended for anyone living in an area prone to flooding.

  • What does flood insurance cover?

    Flood insurance typically covers damage to the structure of your home, personal belongings, and detached structures on your property. It also includes loss of use coverage for temporary living expenses if your home becomes uninhabitable.

  • How do I know if I’m in a flood zone?

    Flood zones are determined by FEMA and are based on the likelihood of flooding in your area. Our agents can help you determine if your home is in a high-risk flood zone and whether flood insurance is recommended.

  • Can I purchase flood insurance if I’m not in a high-risk zone?

    Yes, flood insurance is available to homeowners in all areas, not just high-risk zones. In fact, over 20% of flood claims come from properties outside of high-risk areas, making it a smart investment for any homeowner.

  • How much does flood insurance cost?

    The cost of flood insurance varies based on factors such as your home’s location, its elevation, and the amount of coverage you choose. We work with multiple providers to find you the best rates for your specific situation.

Why Choose O'Grady Insurance for Your Flood Insurance?

Comprehensive Protection

At O'Grady Insurance, we understand the devastating impact that flooding can have on your home and your life. Our flood insurance policies are designed to provide comprehensive protection for your home, belongings, and other structures on your property. We tailor our coverage to meet your specific needs, ensuring that you’re fully protected.

Experienced Guidance

Navigating flood insurance can be complex, but our experienced agents are here to help. With over 45 years of experience, we have the knowledge and expertise to guide you through the process, answer your questions, and provide you with the best coverage options. We’re committed to ensuring that you understand your policy and that you’re fully covered.

Affordable Rates

Protecting your home from flood damage doesn’t have to be expensive. We work with top-rated insurance providers to offer flood insurance at competitive rates. Whether you live in a high-risk flood zone or an area with occasional flooding, we’ll help you find a policy that fits your budget.

Trusted by Homeowners

With decades of experience and a strong reputation in the community, O'Grady Insurance is a trusted name in homeowners insurance. When you choose us for your flood insurance, you’re choosing a partner who is dedicated to protecting your home and your peace of mind.

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