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Flood Insurance

Flood Insurance Information

Disasters take many forms - a hurricane, a tornado or flood - an act of nature that hits suddenly, without warning. Unfortunately every year millions of Americans face disaster and it’s terrifying consequences. Flood Insurance can help protect your home and its contents when your homeowners policy will not respond. Let our knowledge and experience help you protect all that you’ve worked so hard to create.

Liebler Agency – Your Hometown Insurance Agency

National Flood Insurance Program Information


There’s something you should know:  Flood losses are not covered by your homeowners insurance policy.

The damage caused to a home from water can be devastating, and in most cases water damage is not covered by homeowners insurance. Flood and other water-related damage is a common exclusion in almost every home 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?

Option 1: Hope that you'll receive Federal disaster relief 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 is that 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.         

Whether you live near a body of water or not, every home lies in a flood zone and has the risk of experiencing a flood. Many flood related claims are miles from the nearest body of water.  Floods can be triggered by heavy rains, hurricanes, melting snow, and water backup.

Flood policies provide coverage for:

  • Flood damage to your home's structure as well as items like your furnace and water heater
  • Flood damage to your furniture, rugs, appliances, and clothing (with limitations for basement areas)
  • Expenses you incur to protect your home against imminent flood damage by sandbagging or other measures
  • Clean-up costs for covered items after a flood, including debris removal

To determine if your house is in a flood zone, visit

To understand more about Flood Insurance, please contact one of our insurance specialists today.

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