Photo of sandbags and flooding outside of a building

Flood Insurance

Did You Know that Water Damage Caused by Floods is Not Covered by Homeowners Insurance?

Flooding can cause significant damage to a home. In this situation, the last thing you need is to have inadequate insurance protection to help alleviate the financial burden caused by water damages. That’s why Clark Insurance is here to help. We’ll work closely with you in order to understand your situation, risks, and flood insurance needs. Then, our team can help you secure flood insurance protection through the National Flood Insurance Program.

If you already have NFIP flood insurance, pay your premiums within 30 days or you could risk being reclassified.

What are your options?

Our agency has extensive experience providing flood insurance protection to individuals and families across Maine, New Hampshire and Massachusetts. Generally, there are two main types of flood insurance policies:

Standard Flood Insurance

Depending on where you live, your community may be eligible for the National Flood Insurance Program (NFIP). This allows your home and your possessions to be covered under a standard flood insurance policy.

Preferred Risk Flood Insurance

If you live in an area that typically is only a low or moderate risk, you may qualify for a preferred risk policy. This is a lower cost option for those who live in a low risk location.

Based on your home’s location and your town’s history of flooding, our team will recommend a flood insurance policy and risk control measures that makes the most sense for you. In the event of water damage, a flood insurance policy will help you with repair costs and other expenses related to:

  • The foundation of your building
  • Detached garages
  • Personal belongings
  • Valuables
  • Appliances
  • And much more!

To learn more about your flood insurance options and how to protect your home, fill out a free online quote form! Or, contact one of our agents directly by calling our Portland, ME office at (207) 774-6257, our Manchester, NH office at (603) 622-2855 or our Lowell, MA office at (978) 459-0505.

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