Customer Service: 315.853.5052

Send an email to The Burns Agency

 

 

Email us

Connect: Facebook Twitter LinkedIn YouTube Refer A Friend

 

Flood Insurance and FEMA


Our risk for flooding is changing. Reconsidering investing in flood insurance for the safety of your family and your financial future. Learn why from Wright Flood.

Choose from these topics to see more information below:




What is a flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, rapid snowmelt, ice jams in waterways, outdated or clogged drainage systems and rapid accumulation of rainfall. Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

What causes flooding?

Fast melting snow, severe storms, and heavy rainfall are some of the causes of flooding.  Others may include dams, flash floods, floods after a fire, ice jams, La Niña, levees, mudflows, new developments, spring thaw, tropical storms and hurricanes, and the west coast rainy season.

Learn more »

Understanding flood maps

FEMA conducts a Flood Insurance Study and uses this data to create the flood hazard maps.

Learn more »

Undergoing a map change

Flood risk can and does change over time.  FEMA frequently updates flood hazard maps.

Learn more »

Flood map update schedule

Enter your ZIP code and find out which communities in your county have maps scheduled to be updated.

Learn more »

The cost of flooding

The cost of flooding can vary drastically.  See inch-by-inch how much flooding will cost you.

Learn more »

Top

Residential Coverage



Flood policies for homeowners

Flood insurance is available to everyone, from high-risk areas to moderate-to-low risk ones.

Learn more »

Flood policies for renters

There are many flood polcies available for renters, including contents-only flood insurance.

Learn more »

Flood policies for condo owners/renters

If you rent or own a condominium unit, you may want to look at both building coverage and contents coverage.

Learn more »

How policy rates are determined

Policy rates are based on many factors, including flood risk, amount of coverage and elevation.

Learn more »

Know what's covered

Flood insurance covers property damage and personal items, but it's always smart to know what's covered.

Learn more »

Understanding the basics

Learn the essentials to flood insurance, including what it covers, what it protects and who it protects.

Learn more »

Questions for your agent

A lot of things determine what policy is best for your business, so if you have questions, now's the time to ask.

Learn more »

Back to Top

Commercial Coverage



Business property risk

Your business is either in a high-risk or moderate-to-low risk area.  Understand the different flood risks.

Learn more »

Commercial policy rates

For as little as $162 a year, qualified business owners can get $50,000 of contents coverage.

Learn more »

Know what's covered

Flood insurance covers physical damage to your property and most possessions, but it's always smart to know what's covered.

Learn more »

Understanding the basics

Learn the essentials to flood insurance, including what it covers and what it protects.

Learn more »

Questions for your agent

A lot of things determine what policy is best for your business, now's the time to ask.

Learn more »

Back to Top

Preparation & Recovery



Before a flood

Educate yourself.  After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family's safety.

Learn more »

During a flood

Protect yourself and your home.

Learn more »

After a flood

The road to recovery.  As soon as floodwater levels have dropped, it's time to start the recovery process.

Learn more »

File your claim

Dealing with the aftermath.  If you have experienced a flood, you can file your flood insurance claim by following these three steps.

Learn more »

Back to Top

How to Buy a Policy



Get a Quote

Before you buy a flood insurance policy, contact The Burns Agency by phone at 315-853-5052 or by email at insure@burnsagency.com for a quote. Click here for full contact info.

Discuss Coverages

The Burns Agency can help you determine the best deductible and coverage amounts for your specific home and flood zone. Deductibles apply separately to building and contents with different amounts to choose from. Like other insurance plans, a higher deductible will lower the premium you pay, but will also reduce your claim payment. Your mortgage lender may also set a maximum amount for your deductible.

Mandatory Requirements

Homes and businesses with mortgages from federally regulated or insured lenders in high-risk flood areas are required to have flood insurance. While flood insurance is not federally required if you live in a moderate-to-low risk flood area, it is still available and strongly recommended.

Payment

Payment must be made for the full year's premium. The National Flood Insurance Program accepts check and credit card payments (American Express, Diners Club, Discover Card, Master Card or Visa). Coverage will not be effective until full payment is received.

30-Day Waiting Period

There is a 30-day waiting period from date of purchase before a new flood policy goes into effect. Here are the only exceptions:

  • If your lender requires flood insurance in connection with the making, increasing, extending, or renewing of your loan.
  • If an additional amount of insurance is required as a result of a map revision.
  • If flood insurance is required as a result of a lender determining that a loan that does not have flood insurance coverage should be protected by flood insurance.
  • If an additional amount of insurance is being obtained in connection with the renewal of a policy.

Back to Top

Source:  www.floodsmart.gov

Save Money Piggy Bank

Save Money!

Don't overpay for your insurance! We'll work closely with you to ensure you are getting the coverage you want at the best price.
More »

Learning about Insurance

Learning Center

Insurance Tips, Glossary of Terms, News, and Helpful Links.
More »

 

Learning about Insurance

Going to Canada?

Ask us for a Canadian ID card. "A U.S. traveler in Canada is required to carry a motor vehicle liability card, plus vehicle ownership papers. A copy of the automobile policy is recommended to be carried. And a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is strongly recommended. U.S. travelers who do not carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card and are stopped by Canadian police or are in an accident while driving in Canada risk being fined or having their vehicle impounded until proof of proper coverage is obtained."