Texas and Oklahoma Home Insurance, Auto Insurance or Commercial Insurance including general liability, tow truck, business owners insurance.
IF YOU HAVE BEEN RE-ZONED AND ARE NOW IN A FLOOD ZONE, YOU MUST HAVE AN ELEVATION CERTIFICATE BEFORE YOU CALL US.
What Is Flood Insurance?
Unlike your standard homeowners policy which does not cover flood losses, a standard flood insurance policy covers losses which will include structural damage, furnace and air conditioners, flood debris clean up costs as well as flooring surfaces such as carpeting and tile. You can also buy extra coverage for the contents of your home such as your furniture, collectibles, jewelry and clothing.
Three forms of policies are available: Dwelling (most homes), General Property (apartments & businesses) and Residential Condo Building Associations (condos).
While most are not required to have flood insurance, if you have a federally backed mortgage on a home located in a high-risk area, or if you have ever received a federal grant for a previous flood loss, you must have a flood insurance policy to qualify for future aid.
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Understand the Facts !!!
* Homeowners Policies DO NOT COVER FLOOD!
* An Avg. 30-Yr Mortgage has a 1% chance of a Fire but a 26% chance of a flood loss.
* Over half of all recent flood events have occurred in flood zones B, C or X.
* Over 90% of all disasters involve flooding.
* Federal Disaster Assistance is a loan, not a grant.
(The average is $3,500 and must be paid back with interest.)
* You may qualify for the Preferred Risk Flood Policy. Call the Stonebriar Group at 877-280-5300.
What To Ask Your Real Estate Agent:
What is the property's flood risk?
Does this community participate in the NFIP?
Is Flood Insurance Mandatory or Lender Required?
How much does it cost?
Is the Property near a dam or levee?
What are the disclosure rules?
Have you received a Transfer Disclosure Statement?
Do you know a good inspector?
What To Ask Your Flood Insurance Agent:
Does my community participate in the NFIP?
What zone do I live in?
What will be covered under my flood policy?
What deductibles are available?
How much are my premiums?
What is the policy fee? Most quotes can be done quickly and without a lot of information. Dwelling General Property Residential Condo Association
Quote Submission Form
Please provide the following information for a quick quote.
First Name:
Last Name:
Address Street 1:
Address Street 2:
City:
Zip Code:
(5 digits)
State:
Daytime Phone:
Evening Phone:
Building Occupancy:
(apartments & businesses)
Is there a basement?
No Yes
Dwelling Amount:
Content Amount:
Describe Foundation Type:
Date of Construction or
Substantial improvment (MM/DD/YYYY):
Email:
Comments:
