FLOOD INSURANCE

• Common causes of flood include: tropical storms, rapid rainfall, spring snowmelt, changing weather patterns, clogged rainwater systems, new building development, even drought or wildfire conditions.

• Our carriers pay qualified claims quickly so you can begin to rebuild and recover.

• Property owners or renters can protect their homes, business, condo units and their contents.

• Don't rely on federal disaster assistance -- only flood insurance pays for covered flood loss. Disaster assistance, typically a loan for less than $2,500 to be repaid with interest, is available only with a presidential declaration.

EVERYONE IS IN A FLOOD ZONE - KNOW YOUR FLOOD RISK

• Flood risk for each building is set by FEMA on flood zone maps in the National Flood Insurance Program (NFIP). Curcuru Agency can provide you with your map with your flood quote.

• Flood insurance is required by lenders to protect homes in high risk flood zones. In low-moderate risk flood zones informed owners often choose to purchase flood insurance with preferred risk (discounted) rates.  Curcuru Agency can identify if you are eligible for discounts.

• There remains a 1 in 4 chance your home may be damaged by flood, even if you are mapped into a the low-moderate risk flood zone. Don't be fooled by a line on a map -- everyone has a risk of flooding.

HOW MUCH DAMAGE DOES FLOODING CAUSE?

• Flooding causes a lot more damage than you might think. Just 1 inch of water in your home can cost $27,000 to repair, according to FEMA.

• The cost is for a one story 2,500 square foot home, and it nearly doubles for two story homes. For example, homeowners with two story homes may need to repair walls extending to the second level, even if damage happed only on the first.

• The more water that enters your home, the more damage that results.  For the same home of 2,500 square feet, 6 inches of water could cause damage worth $52,000.  The total cost could reach $72,000 for 12 inches, $87,000 for 24 inches and $94,500 for 36 inches.