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Flood Insurance
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Flood Insurance
When it comes to homeownership, water can be your worst enemy. From overflows on inland water sources to surface water runoof and mudflows, flooding can cause thousands of dollars in damage and turn your life upside-down. At Haylor, Freyer & Coon, we can’t stop a flood from happening, but we can give you the peace of mind that comes from knowing the things you value are properly insured.
Our wide array of competitively priced policies can help protect your home and personal porperty from floods and the resulting water damage. And most importantly, we’ll help ensure that your claim is processed quickly and efficiently so you can get back to life.
How Much Damage Can Water Do?
Your Standard Flood Policy May Help Cover:
- Building Property – includes the physical structure and foundation of your home. Also includes necessary systems like electrical, central air, plumbing, and heating. May include some permanently installed property like cabinetry and detached garage (if not used as a business, farming storage, or living space).
- Personal Property – Covers clothing, furniture, electronics, curtains, some appliances, and certain valuable items (up to a $2,500 limit per item) on the lowest elevated floor (not including items in the basement or crawl spaces).
Reasons We Recommend Supplemental Coverage
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.
Flood Insurance –
Frequently Asked Questions
- Am I required to have flood insurance if I have a mortgage?
- Does my home insurance cover flooding?
- I dont live by water – do I still need flood insurance?
- What is my flood zone?
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Know Your Coverage*: Replacement Cost Value & Actual Cash Value
Policies through the NFIP (National Flood Insurance Program) will pay for direct physical loss resulting from or by floods. To ensure that your house is covered at Replacement Cost Value and not at Actual Cash Value, the coverage amount for the residence must be the lesser of:
- 80% of the replacement cost, OR
- the maximum insurance amount through NFIP ($250,000 in 2018)
For Example:
If you have a home with a value of $200,000 and you have $180,000 of flood coverage (this could represent your mortgage remainder amount), your loss settlement would be at Replacement Cost Value. If instead, you only purchase $100,000 of flood coverage, your loss reimbursement would be at Actual Cash Value, because you only had 50% coverage of your home’s value.
*Not applicable to all insurers and policies.
Get A Flood Policy
Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
Haylor, Freyer & Coon and it's representatives have been instrumental in keeping my companies protected from all facets of liability...
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Quick Info
Haylor, Freyer & Coon, Inc.
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Phone: +1 800-289-1501
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