Have a question about flood insurance? Interested to get a quote for a flood insurance policy? Agency Principal Lisa Sharrard will answer your specific question, giving you your best choice for your needs.
Fill in the form below, or directly email Lisa. Whether you want a flood insurance quote, or have flood compliance, mapping, or other related questions, Lisa’s expertise will guarantee you the best information available.
Don’t wait until it’s too late!
Contacting Choice Flood Insurance today will get you on the path to flood protection with an affordable and comprehensive flood insurance policy. With our experience and knowledge, Choice Flood Insurance writes the most accurate flood Insurance policies and can be written anywhere in NC, SC, GA, MA and FL.
Common Questions Answered
Why do I need flood insurance?
Above all, please know that a Homeowners Policy excludes floods. To be considered a flood, the waters must cover at least two acres of normally dry land or affect at least two properties (e.g., road and your property). The water can be from:
• Overflow of inland or tidal waters;
• Unusual and rapid accumulation or runoff of surface waters from any source; or
• Mudflow; or
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
If your neighbor has an above ground swimming pool, you should definitely by a flood insurance policy, as if the pool collapses, your homeowner’s policy will not cover the water damage to your home.
What does flood insurance cover?
Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. Purchasing Flood insurance through Choice Flood Insurance is the only means protect you and recover for disasters. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, pool collapses etc.
What if my structure is determined to be in a flood zone?
Standard Flood Insurance Policies for structures located in any flood zone beginning with “A” or “V”
If you live in a community that participates in the NFIP, your building and its contents can be covered by a Standard Flood Insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” You must apply for building coverage and contents coverage separately if you choose to invest in a Standard Flood Insurance policy. Both building and contents have option deductible to help keep costs low.
What is a Prefered Risk Policy?
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost
Preferred Risk Policy. While you are not required to purchase flood insurance in low-to-moderate risk areas, a Preferred Risk Policy will protect your home and its contents if you are affected by a small flood, or a larger flood that has extended into your low risk area. In truth, 26% of flood insurance claims occur in low-to moderate risk areas.
PO Box 290666
Columbia, SC 29229
Being involved in floodplain management with government and private sectors gives Lisa has a tremendous understanding of all aspects of flood issues, making her one of the few in the country that can see and understand different viewpoints and objectives of the parties involved. Being at many of her seminars and working with her first hand on specific projects she is the GO TO person with small or large complexities.
Dennis Johns President, Carolina Surveying Services, Inc.
Lisa Jones at Carolina Flood Solutions is most knowledgeable about the implications and rating implications of the new Biggert Waters Flood Insurance Act. As a long time Realtor in a coastal community where the implementation of Biggert waters is beginning to have a major impact on our business, I engaged her as a consultant for an analysis of a property for sale. She pointed out many inconsistencies in the rating we were getting from NFIP and made the property more marketable by reducing the cost of flood insurance. There is no one more capable on this subject.
Dick Patrick Broker, Charter One Realty and Marketing