Special coverage is required if your home or business is located in an officially designated Flood Plain Zone or a coastal or other area prone to periodic flooding.
A basic homeowner's policy won't cover flood damage. If your community has adopted certain standards required by the National Flood Insurance Program (NFIP), a program FEMA oversees, your cost for flood insurance will be relatively modest. If you own high-valued island or coastal property, you will need special coverage from a private insurance company that offers flood insurance coverage. In either situation, Lupton & Luce can help.

This situations and coverage options for flood insurance can get a bit complicated. Our specialists will help make sure that you are properly protected.