Coverage · Lee & Collier counties

Flood Insurance

Flood is not on your homeowners policy, and in these two counties that is not a technicality. We write NFIP and private flood, and we tell you which one fits.

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Questions we are asked.

If yours is not here, call the office. Someone will pick up.

Does my homeowners policy cover flood?

No. Flood is excluded from every standard Florida homeowners policy, without exception. Water that arrives across the ground is a flood claim and is paid by a separate policy; rain that comes in through a roof the wind opened belongs to homeowners.

Is flood insurance required?

If the property sits in a high-risk A or V zone and carries a federally backed mortgage, the lender must require it. Everywhere else it is optional and cheaper, and worth pricing before you decide against it: much of the flooding in these two counties happens outside the high-risk zones.

NFIP or private flood?

We place both. The federal programme caps what it will pay on a building; private flood can go higher and can move faster on larger homes. Which one fits depends on the actual house, so bring the address.

When does a new policy take effect?

Usually not the day you buy it. Most new flood policies carry a waiting period, with exceptions such as a policy bought at a loan closing. That is why the time to buy is before a storm has a name. Call and we will tell you what applies to yours.

My zone changed on the new maps. What should I do?

Bring the letter and the address. Map revisions run panel by panel, not countywide, and if a revision moves you into a higher-risk zone there are grandfathering provisions that can hold your rating, provided the policy is in force before the new map takes effect.

Where to get it.

Every office can start this conversation. Auto is bound at any of the four desks; home is placed by the homeowners department in Fort Myers; commercial is written from the Fort Myers home office.