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Flood Insurance in Glen Arbor, MI

car with flood insurance in body of water

Why do you need flood insurance?

In the wake of a severe thunderstorm, hurricane or even prolonged periods of rain, floodwater poses a significant threat to your property. Floods can wreak havoc on buildings, possessions and financial interests. With this in mind, ensuring you and your property are covered by adequate flood coverage is crucial.

What is it?

As its name suggests, it is a form of insurance that can provide financial security for policyholders after flood-related losses and damages. This type of coverage is often purchased through the Federal Emergency Management Agency’s National Flood Insurance Program. However, an increasing number of private insurers have also begun to offer policies in recent years.

Regardless of how you procure your insurance, doing so may require research and diligence. In many cases, standard homeowners, renters and commercial property insurance policies may exclude floods as a covered peril, meaning you will not be successful in filing a claim for resulting losses. Fortunately, separate policies or endorsements can offer the necessary financial security.

What Other Insurance Should I Get?

Commercial flood insurance should be a top priority for businesses. These arrangements can offer multifaceted coverage, including financial protection for the following:

  • Structures— if the roofs, foundations, walls, plumbing and electrical systems or other structural components of a business’s buildings are damaged, adequate flood insurance can help policyholders repair or rebuild.
  • Contents— can also financially protect a business’s tangible assets stored inside insured buildings. This may include coverage for electronics, furniture, inventory, equipment and valuables.

Where to Get the Best Flood Insurance

As a trusted member of the Glen Arbor community, the staff at Devette & Ford Insurance Agency, Inc. is committed to helping businesses, families and individuals throughout northern Michigan address the risk of floods. With a history of service dating back to 1919, we can help you understand this essential type of coverage and secure an appropriate policy.



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