Bolivar Broussard and Company Insurance has everything you need to attain quality flood insurance for your family's property. We understand that specific flood insurance covers you for property loss in the event your home is at risk.
The National Flood Insurance Program (NFIP) defines flooding as a broad and temporary condition of partial or complete submergence of two or more acres of typically dry land. If your property falls into this category, Bolivar Broussard and Company Insurance offers coverage for an overflow of inland waters, rapid accumulation or runoff from surface waters, and mudflows.
Our agents provide examples during your consultation and initial meeting on what natural disasters constitute reasons for having flood insurance coverage. These include:
If you have earthquake insurance coverage, know that your home may not be protected by subsequent flooding as a result of the earthquake. A lack of flood insurance can be detrimental to you and your home upon discovering that your standard homeowner's policy doesn't cover the damage as a result of these natural disasters. We recommend checking all the fine points of your current policy to ensure flood insurance is built into your coverage.
Clients who are eligible in Louisiana and have mortgages on your home are required to purchase a separate flood insurance policy. Bolivar Broussard and Company Insurance acts as a distributor for the National Flood Insurance Program (NFIP) to make certain that policyholder properties are covered under duress by natural causes. Since our communities in Louisiana are located in a must-insure, high-risk flood zone, it's imperative that you and your family seek quality flood insurance.