Flood Insurance



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Flood insurance for less. Get your flood insurance for half of what the National Flood Insurance Program charges. 

One exposure that your standard homeowners insurance policy will not cover is flooding—the #1 natural disaster in the United States. And don’t think that just because your home is not in coastal area that you’re off the hook. The National Flood Insurance Program (NFIP) says that people outside of what they call “mapped high-risk flood areas” file more than 20% of all NFIP flood insurance claims and receive one-third of Federal disaster assistance for flooding.
Floods can and do happen for any of a number of reasons. For example, a mid-winter or early spring thaw could produce large amounts of runoff in a very short period of time. If the ground is hard and frozen, water can’t penetrate it and be reabsorbed. What happens then? Well, the water then runs off the surface and flows into lakes, streams and rivers.
This could cause excess water to spill over their banks and, perhaps, into your home. Add to that a heavy spring rain—again, not an unusual occurrence around here—and perhaps maybe an ice jam on a river that flows through your community, and we could see serious, widespread flooding.
Fortunately, personal flood insurance is available for homeowners, condo owners and renters. Of course, the cost will vary depending on how much insurance is purchased, what it covers and the property’s flood risk. The good news is, most homeowners in moderate- to low-risk areas could be eligible for coverage at a preferred rate.
National Flood Insurance Program preferred risk policy premiums are the lowest available through the program and offer building and contents coverage for one low price. If your home is in a high-risk area, a standard rated policy is the only option for you and is actually required if you have a mortgage through a federally regulated or insured lender. A standard rated policy offers separate building and contents coverage.
Factors that go into calculating your flood insurance premiums include:
• Year of building construction;
• Building occupancy;
• Number of floors;
• The location of its contents;
• Its flood risk (i.e. its flood zone);
• The location of the lowest floor in relation to the elevation requirement
on the flood map (in newer buildings only);
• The deductible you choose; and
• The amount of building and contents coverage.
Typically, there’s a 30-day waiting period from when you purchase a policy to when it goes into effect. Also, the coverage is fairly complicated. So it makes sense to talk with someone on the team at Trovato Associates sooner rather than later.
We’re here to help you cover what’s important to you—regardless of what might cause damage. Call us, stop in, or enter your information below so we may send you a free quote.

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Company Information

Trovato Associates
1880 E Ridge Rd STE 6
Rochester, NY 14622

Contact Details

Phone: (585) 563-6553
Fax: (585) 544-2506
Email: service@trovatoassociates.com

Hours of Operation

Monday–Friday, 8:30 a.m.– 5:00 p.m.
Saturdays & Weekends Available by Appointment
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