Agency Flood Newsletter Articles Below
This package includes seven sample articles and some graphics for publication that can
be used to generate an interest in flood insurance and direct interested readers to your
agency. Or, consider using them for the text of an “On – hold” message if your
telephone system permits.
#1
Without Flood Insurance you are
Gambling with your Home!
If a flood rolls through, how are you going
to pay off your losses? One in four flood
damage claims come from low-risk flood
areas. Without flood insurance the costs
to recover can be catastrophic.
Know the facts:
 Homeowners policies don’t cover
flood damage, in fact, most exclude it. Only flood insurance protects your
home against rising water, mudslides, overflow of inland or tidal waters
and local drainage problems.
 Federal assistance may not be available. Less than 50% of all floods qualify for
federal aid—and interest on a federal disaster loan is more than an annual
flood insurance premium.
 Flood Insurance is affordable. Compared with the cost of replacing your home
and possessions, the average flood insurance premium of $600 makes a lot
of sense.
 There is a 30 day waiting period on most new flood policies.
Don’t wait until it is too late, call us at XXXXXXXXX for a flood quote. Don’t put your
home at risk.
#2
There's something you should know about
flooding….. Flood losses aren't covered by your
homeowners’ insurance policy. Floodwaters have the
power to damage not only your home and sense of
security, but also your financial future. How can you protect your most
important investment in case of flooding? What are your flood options?
Option 1: Hope that you'll receive Federal disaster assistance if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial
needs if they suffer damage due to flooding. The truth is that Federal disaster assistance
is only available if the President formally declares a disaster. Even if you do get disaster
assistance, it's often a loan you have to repay, with interest, in addition to your mortgage
loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster
assistance isn't offered, you'll have to shoulder the massive damage costs alone.
The bottom line: If you're looking for secure protection from financial loss due to flood
damage, Federal disaster assistance is not the answer.
Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is
not federally declared.
Flood insurance means you'll be reimbursed for all your covered losses. And unlike
Federal aid, it never has to be repaid.
As a homeowner, you can insure your home up to $250,000 and its contents up to
$100,000. If you're a renter, you can cover your belongings up to $100,000. As a nonresidential property owner, you can insure your building and its contents up to $500,000.
A flood insurance policy is easy to get, affordable and offers invaluable peace of mind. With
flood insurance, you know you're covered … no matter what.
#3
You Don’t Have to sink a lot of money into
flood Insurance
For property owners in a low to moderate risk
zone, the preferred risk flood policy provides
$250,000 of protection for as little as $477 per
year.
In fact, 30% of flood insurance claims occur in
locations that no one thought were at risk for
flooding. Millions of dollars of losses have been
paid to homeowners who may have once
believed they were not at risk.
Weather patterns are changing, housing and commercial developments often change
rainwater runoff, therefore perhaps you should re-consider the purchase of a flood
insurance policy.
If we can help you protect your biggest investment, please call us today at XXXXXXXX.
#4
New Construction in your Area?
Neighborhood growth, commercial development, new
highway construction, etc. can change the rainfall
drainage patterns in dramatic ways that can affect your
property. Rising water from any outside source that floods your property and the street
in front is becoming more prevalent in developing neighborhoods and communities.
Your area is growing but perhaps the water management systems may not be keeping
pace.
Perhaps there is higher ground above your property that is under development, you
may want to be aware of the drainage patterns that are interrupted as drainage onto
your property may create a flood risk. 30% of flood claims are for properties that are not
in high flood risk areas.
Federal flood insurance is available to cover all properties including owner or rental
properties, commercial locations, condos, apartment contents regardless of the location
and can often be at lower preferred rates. Please call and speak to
for
assistance.
#5
We hope you love your new
location….
Selling and buying a new home or
business can be an extremely stressful
and hectic time that is followed by the
additional stress of moving and settling
in….we understand and hope that as
your insurance agent we made that
somewhat better for you.
Now that you are settled and have been
there a while, can you spend just a
moment to consider that flood insurance
might have been overlooked?
Federal flood insurance is available to
cover all properties including owner or rental properties, commercial locations, condos,
apartment contents regardless of the location and can often be at lower preferred rates.
Please call and speak to
for assistance.
#6
Still thinking?
Fay, Gustav, Hanna, Ike … with each storm you
think, maybe I should buy flood insurance. If you
have seen the damages brought about by storms,
then you know that lack of preparation can be
serious.

“I’m not in a flood zone.”
 Low risk doesn’t mean no risk. In fact, almost
25% of actual flood claims come from low to moderate risk areas.
Premiums as low as $129 a year could cover your property in a low to moderate
risk area with a Preferred Risk Policy.
“This neighborhood has never flooded.”
 New land development can increase flood risk, especially if the construction
changes natural runoff paths. Weather patterns are changing.
“I can’t afford more insurance.”
 You can’t afford not to purchase….Which check would you rather write: $7,500
repairs for 1-4 inches of water or $405 for your annual flood insurance premium
for $100,000 in coverage?
Here are some other facts you should know:
Your homeowners’ policy does not cover flood damage.
Flood policies take 30 days to take effect.
Government assistance is only available in less than half of all floods, and it
usually comes in the form of a loan--repayable with interest.
Flood Insurance is your only guaranteed protection, getting it is easy….just give us a
call at XXX-XXXX..
#7
Purchase at a Lower Rate before Flood Maps
Change
As you may be aware, the flood risk maps in your
neighborhood are being revised and your property may be
affected.
What this means if your property is deemed to be in a high
risk zone:
 You will be required to purchase flood insurance, if
you have a lender.
 If your property is in a high risk zone, statistically,
 your property has a 6x greater risk of flood
than fire and
 a 1-in-4 chance of flooding over a 30 year
mortgage.
We can assist you to purchase a flood policy at a preferred rate and help you grandfather that
lower rate in the future.
Here are some other important facts you should know:
Your homeowners’ policy does not cover flood damage.
Flooding is the most common natural disaster.
Government assistance is available in less than half of all floods, and it usually comes in
the form of a loan- repayable with interest.
The only guaranteed protection is National Flood Insurance. A preferred risk flood
policy would cost roughly $477, based on your home’s construction, and will save you
from serious financial difficulties in the event of flooding.