Southern Oak Flood Insurance

It’s Time To Get Flood Insurance

Who needs flood insurance? Everyone. Let’s face it, even if you’re not in a designated “high hazard flood zone”,  you live in Florida where the highest elevation is just over 300 ft. above sea level.  The average homeowners policy does not include flood insurance. Just 1 inch of standing water in a home can cost more than $25,000 in damage, so why risk not having this simple coverage?

The Southern Oak Flood endorsement can be added directly to eligible homeowners policies and provides much broader coverage at a lower rate than the National Flood Insurance Program. All of the benefits include:

  • Lower Rates Than NFIP
  • Higher Limits (exceed the traditional $250,000 limit the NFIP requires)
  • No 30 Day Wait
  • Broader Coverage for Other Structures
  • Additional Living Expense Available
  • One Policy combining home and flood coverage
  • One Adjuster for Home & Flood Claims
  • Ordinance & Law coverage Available
  • No HIFAA Surcharge

Southern Oak also offers stand-alone flood policies from the National Flood Insurance Program for those risks that do not qualify for our Flood Endorsement

Flood Insurance

Here are some facts from the National Flood Insurance Program

FACT:  Homeowners and renters insurance do not typically cover flood damage.

FACT:  More than 20 percent of flood claims come from properties outside high-risk flood zones.

FACT:  Flood insurance can pay whether or not there is a Presidential Disaster Declaration.

FACT:  Most federal disaster assistance comes in the form of low-interest disaster loans from the U.S. Small Business Administration (SBA) and you have to pay them back. FEMA offers disaster grants that don’t need to be paid back, but this amount is often much less than what is needed to recover. A claim against your flood insurance policy could, and often does, provide more funds for recovery than those you could qualify for from FEMA or the SBA — and you don’t have to pay it back.

We are one of the most stable insurance companies in Florida. We have been assigned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. which means you can count on Southern Oak to be there when you need our protection the most. Just fill out the form to get started.

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