Flooding can happen anywhere, at anytime, even during the winter due to rain and melting snow. According to the National Flood Insurance Program ( NFIP ), even one inch of water in your home can cause up to $7,800 in damage. In addition, NFIP statistics show that a home in a high-risk area is three times more likely to be damaged by a flood than a house fire during a 30-year mortgage.

Flooding is not covered in a standard homeowner's, renter’s or business insurance policy, and between 20 and 25 percent of all flood insurance claims come from low-risk areas. So before you’re faced with rising water in your area, the Ohio Department of Insurance (ODI) and National Association of Insurance Commissioners (NAIC) offers this information to help you get smart about your flood insurance options.

There is a 30-day waiting period from the time you purchase a flood insurance policy before coverage actually becomes effective. The National Flood Insurance Program (NFIP) provides coverage to communities that have enforced floodplain management ordinances. The Ohio Department of Natural Resources (ODNR) oversees community eligibility. A person is not required to live in a floodplain area in order to purchase a policy. 

With all the snow that is soon to be melting, now is the time to contact Reichley and evaluate your need for flood insurance!

Reichley Insurance Agency is committed to excellence.  We pride ourselves on offering our clients reliable coverage and great service.  As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country.  Our team of trusted agents will work with you to find a policy that meets your needs - and falls within your budget. 

Our Dedication Makes the Difference.