Excess Flood

The insurance industry’s definition of flood is much broader than you may realize. Damage to your home and valuables from a flood, and the related events, are typically excluded from homeowners’ policies.  Unfortunately, this is often something that is not learned until a claim is denied.

Obtaining primary flood insurance is the first step toward proper protection, but its coverage limits ($250,000 for the home structure; $100,000 for contents inside it) may leave you with substantial out-of-pocket expenses in the event of major damage. An excess flood policy will extend your coverage seamlessly and provide you with the limits to adequately compensate you.

Private Client Group excess flood insurance responds after primary flood coverage limits have been exceeded:

• Coverage is available to policyholders in all designated flood zones in all states.
  
• You can choose the amount of protection you desire — up to the full replacement cost of your home.
  
• Traditionally, excess flood insurance was only offered through “excess and surplus” carriers (typically higher premiums and less responsive claims handling). Our policy is an "admitted product" and is priced competitively.
  
• In the event of a claim, you’ll be taken care of by our Concierge-level Claims Service^®.