Standard Insurance Won’t Cover a Flood. We Will.
Many homeowners and landlords in the Central Valley believe they are safe because they aren’t in a “High-Risk” zone. However, in Modesto, winter storms and levee issues can turn a dry street into a river in hours. Standard Homeowners and Landlord policies specifically exclude flood damage.
Tactical Flood Solutions:
- NFIP (Federal) Policies: The standard government-backed program.
- Private Flood Insurance: Often cheaper and offers higher limits than the federal program.
- Excess Flood: For high-value commercial properties that need more than the standard $250k limit.
Don’t wait for the “Red Zone” to appear on the weather map. Flood insurance usually has a 30-day waiting period—the time to “arm” your policy is now.