Flood Insurance

Standard Homeowners Coverage Stops at the Rising Water. We Bridge the Gap.

Flooding is the most common and costly natural disaster in the United States, and the financial devastation can be life-altering. Here is the single most important fact about flood protection: standard homeowners insurance policies explicitly exclude damage caused by flooding. This critical gap in coverage means that without a separate flood insurance policy, you are financially responsible for 100% of the costs to repair your home and replace your belongings after a flood event.

Anyone in a community participating in the National Flood Insurance Program (NFIP) can buy flood insurance, including renters—and nearly 25% of all flood claims come from moderate-to-low risk areas. Don’t wait until it’s too late to secure your peace of mind.

Why Choose LINDAN Insurance for Your Flood Coverage?

Securing flood insurance can be complex, involving flood maps, federal regulations, and differing policy limits. As your independent agents, LINDAN Insurance simplifies this process by giving you access to all available options.

Here are the LINDAN advantages:

• The Independent Agent Advantage: LINDAN Insurance is an independent agency, meaning we represent numerous carriers offering flood solutions. We don’t just sell one policy—we shop the entire market to ensure you get the best protection. We can offer policies from both:

  1. The National Flood Insurance Program (NFIP), sold through government-backed Write Your Own (WYO) Carriers.

  2. The rapidly growing Private Flood Insurance Market.

• We Find the Right Carrier for You: The rise of the private market means more competitive pricing, higher limits, and broader coverage options are often available than the standard NFIP policy. We compare all viable options to find the policy that offers the right coverage and the best rate for your property’s specific risk profile.

• Higher Limits & Broader Coverage: For high-value homes, the NFIP’s residential coverage limits ($250,000 for the building, $100,000 for contents) are often insufficient. Private market options available through LINDAN Insurance can offer substantially higher limits and include essential coverages the NFIP typically omits, such as Additional Living Expenses (ALE) if your home is uninhabitable.

• Expert Risk Assessment: With the NFIP’s updated risk rating methodology (Risk Rating 2.0) and advanced private modeling, accurate assessment is more important than ever. Our agents specialize in navigating these complexities to ensure your property is rated correctly, potentially saving you thousands on premiums.

Understanding Flood Insurance Coverage

Flood insurance is separate from homeowners insurance and covers physical damage to your structure and belongings caused by a flood, which the NFIP defines as:

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is yours) from:

• Overflow of inland or tidal waters

• Unusual and rapid accumulation or runoff of surface waters from any source

• Mudflows

The policy is typically split into two types of protection: