Flood Insurance

Flood Insurance

A flood can happen anywhere and anytime, whether your property resides inland or in a low-lying area. Flood insurance must be purchased separately because damage from flooding is not covered under typical homeowners, renters, condominium and landlord policies.

Why Purchase Flood Insurance?

Flood insurance covers your property and possessions damaged as a result of a flood – even if a disaster isn’t declared.

Waiting Period

Keep in mind that most flood insurance policies have a 30-day waiting period for coverage to take effect. Purchase a flood insurance policy now to avoid delays.

Centauri’s Private Flood Program

Ask about our Private Flood Program which offers lower rates than the National Flood Insurance Program (NFIP) and additional features such as no 30-day waiting period, more deductible options, and higher limits for dwelling and contents. In addition, current Centauri Homeowners Insurance policyholders may qualify for our companion Flood Policy Discount.

National Flood Insurance Program

The federal government, FEMA, manages the National Flood Insurance Program (NFIP). Most people are eligible to purchase flood insurance as long as their community participates in the program. Visit FloodSmart.gov for more information about NFIP.

Annual Hurricane Season

May and June mark the start of hurricane season. While weather preparedness is necessarily a year-round exercise (as evidenced by the tornado and hail events that struck policyholders in several states this spring), the increased risks posed by hurricane season call for heightened vigilance and readiness.

Just as we maintain a comprehensive catastrophe plan to respond to an event, your customers should be encouraged to maintain a plan for their families that can be called upon if a severe storm does strike:

  • Close windows, doors, and hurricane shutters. If your customers do not have hurricane shutters,
    ¾ - inch outdoor plywood boards should be used for each window and door of the home.
  • Shut off all utilities (gas, electricity, water).
  • Unplug small appliances.
  • Bring in anything that can become airborne in high winds (bikes, patio furniture, flower pots).
  • Make sure the yard is free of any trees or landscaping that could become wind hazards during a storm.
  • Turn the refrigerator and freezer to the coldest setting, and keep them closed so that food stays fresh longer if the power goes out.
  • Do not use grills or store propane tanks inside the house or garage.
  • Know the warning signals and alerts for the area.
  • Purchase a weather radio and/or download weather apps to stay informed of weather conditions.

Most importantly, the safety of your customers and their loved ones should always come first! For more hurricane information and tips, visit our Disaster Preparedness page.

To manage an existing flood policy, click here.