Flood Insurance

Did you know that your homeowners insurance doesn't cover flood damage? Insurance against flooding must be separately obtained to provide replacement or repair to a home and the contents inside. The policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

FEMA's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional but recommended to every homeowner.



This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.