317 Pequot Avenue
PO Box 528
Southport CT 06890
203-255-2877 P
203-254-8427 F
Flood damage is generally not covered by homeowners and most standard commercial property insurance policies. Statistics indicate homeowners are four times more likely to suffer a loss from flood than fire. 70 - 80 percent of all natural disasters in the United States involve flooding
Flood insurance must be purchased before flooding occurs, and flood insurance has a 30-day waiting period from the date of the application (unless purchased in conjunction with a loan closing).
Why you need an agent...
- FREE: Policies issued directly from FEMA are the same cost as policies administered by an agent.
- SPEED: We can get you documents for loan closings, claims, and policy changes faster!
- AVAILABLE: When FEMA shuts down due to authorization expiration, we aren't.
Why The Russell Agency...
- EXPERIENCE: We are coastal and have been writing connecticut flood insurance since the program's inception. In addition: Agency owner Tim Russell is on the working committee to solve issues surrounding the program on a national basis via his involvement with the Professional Insurance Agents Association through PIA Connecticut.
- KNOWLEDGE: We know the policy terms, coverage, and rating. Rating mistakes happen more than you think...we see it often when reviewing existing policies from other agents. Also, we've done so many loan closings involving connecticut flood that we have a strong handle on the requirements that most banks will be looking for, and that minimizes the time it takes to produce the necessary documents.
- SPEED: Quick quotes. Quick processing. Quick issuance. It helps to know what you are doing.
- OPTIONS: Depending on your situation, we have an alternative flood option for you!
- AVAILABLE: You can stop in our office and discuss your flood coverage IN PERSON.
Got a flood question?...
- Ask The Russell Agency: Send us an email with your question and we'll get back to you within 24 hours, or the next business day.
- KNOWLEDGE: Rather go to the source? Send an email to the FEMA ask the Expert people and you'll get an answer back within 5 business days.
What is a Flood Elevation Certificate?
The Flood Elevation Certificate is a document usually generated by an engineer, surveyor, or qualified person that will provide certified elevation data to help properly rate properties for flood insurance. An Elevation Certificate can determine where precisely your home is located in relationship to the Base Flood Elevation. You may need to obtain a flood certificate if your property is in a flood zone, and you are considering disputing it. The Flood Elevation Certificate is REQUIRED for any home built after the location (town, City, or County) entered the National Flood Insurance Program (see 4th column for CT town FIRM Dates). For instance, Fairfield, CT enter the program in 1978. Any mortgage backed home built there after, in a flood zone will need this certificate to obtain flood insurance. Certs are not typically kept at town hall. The current owner or insurance agent may have one. If not, give us a call and we can recommend a surveyor for you that can produce the document.
Is there an alternative to the NFIP?
Yes! In 2010 when the NFIP was suspended 3 times for over a few months, we spent some time looking into options for our clients....and we found it. We found a specialized program that offers a great flood product along with additional coverage such as Earthquake and Landslide coverage. So, if you are looking for a comprehensive flood product that also covers your home up to its entire replacement value, there is an option!
In those circumstances where homes with Dwelling Replacement costs are under $600,000, who also are looking at abnormally high NFIP premiums over $2,500 for a dwelling coverage only policy...we can help! When most agents and brokers are content to simply tell you there are no other options...we aren't. GET A QUOTE NOW!
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