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FLOOD INSURANCE

LOUISIANA FLOOD INSURANCE

Why Should I Get Flood Insurance?

Flooding is an ongoing problem facing Louisiana residents that own property in the Gulf Coast region. Major damage resulting from severe thunderstorms, tropical storms, hurricanes and any weather event bringing sudden or prolonged rainfall, can be a crippling expense for home and property owners. Protect yourself in the event of a weather disaster with affordable flood insurance. Fassbender Insurance has years of experience providing flood insurance to residents in Slidell, Mandeville, Covington, Hammond, Pearl River, Gulfport, Biloxi, Picayune, and all along the Gulf Coast and inland Louisiana regions.

Using our experience in providing regional flood coverage, we will help evaluate your risks for flood damage and craft an affordable insurance plan that takes into consideration your level of risk.

Flooding is a National Problem…

In 1968, Congress created the National Flood Insurance Program (NFIP). This was needed because of the sharply rising costs of emergency relief to property owners after a flood. Federal Emergency Management Agency (FEMA) manages the NFIP, and works with almost 20,000 communities across the country to enforce floodplain management ordinances.

Millions of homeowners now have valuable protection against a flood loss. It is available to every resident of communities that participate in the NFIP, regardless of whether the structure is located in a mapped flood plain. Flood insurance can be purchased through us or the NFIP directly.

There is a 30-day waiting period before coverage under a new policy takes effect.

INSURANCE TYPES

Requirements for Louisiana Auto Insurance

Louisiana requires all state residents who are completing certain driver’s license transactions or trying to register a vehicle to provide proof of financial responsibility. We can help you with proof of Louisiana Auto Insurance.

What should business insurance include?

Our insurance plans offer protection in three main areas that directly affect your bottom line. Do you have adequate business insurance coverage in each of the following areas?

  • Property Coverage
  • Liability
  • Business Interruption
What Does Homeowners Insurance Cover?

A Homeowner’s Insurance Policy covers your home and personal property against loss from covered perils. This coverage will pay to repair, rebuild, or replace your damaged or lost property.

We Offer the Following Personal Lines of Insurance:

Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.

Get A Flood Insurance Quote

Using our experience in providing regional flood coverage, we will help evaluate your risks for flood damage and craft an affordable insurance plan that takes into consideration your level of risk.

Cost Effective Insurance

We specialize in providing cost-effective insurance for Churchs in Louisiana, Mississippi & Alabama.

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What Type Of Insurance Are You Looking For?

Fassbender Insurance Agency

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Flood Insurance for Louisiana and Mississippi

Flooding is an ongoing problem facing Louisiana and Mississippi residents that own property in the Gulf Coast region. Major damage resulting from severe thunderstorms, tropical storms, hurricanes and any weather event bringing sudden or prolonged rainfall, can be a crippling expense for home and property owners. Protect yourself in the event of a weather disaster with affordable flood insurance.
Fassbender Insurance has years of experience providing flood insurance to residents in the Gulf Coast and inland Louisiana regions.

Affordable Flood Insurance Policies


Using our experience in providing regional flood coverage, we will help evaluate your risks for flood damage and craft an affordable insurance plan that takes into consideration your level of risk.

Important Information About Flood Insurance 

There is a 30-day waiting period before coverage under a new policy takes effect.

They Have Two types of Flood Insurance

NFIP- Government issued

Private Market- Alternative to the government issued flood. This is for Special Flood Hazard areas.(SFHA)

Flood Policies can cover the dwelling which is the Buildings property insurance and the personal property. Homeowners Insurance does not cover rising flood waters from oceans, lakes, or rivers. 


FLOOD ZONES

Special Flood Hazard Areas (High Hazard) are areas having special flood, mudflow, or flood-related erosion hazards, and shown on a Flood Hazard Boundary Map or Flood Insurance Rate Map as zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE, OR V.


Non-Special Flood Hazard Areas (Low Hazard) are areas of moderate or minimal hazard subject to flooding from severe storm activity or local drainage problems. Zone X is the designation for B and C zones and is used in place of these zones on the maps. Zone D is also included as a Non-SFHA.

**Information about map changes can be found through the community and the Flood Smart website link to map adoption schedule
https://agents.floodsmart.gov/manageagent/pages/agent/mapschedule.jsp.

Flood maps are available from the FEMA Map Service Center website http://msc.fema.gov under product catalog then historic maps and/or might be available through the community planning or building permit department.

Grandfathering Flood Insurance

What is Grandfathering???

Grandfathering is a way for agents to offer property owners cost saving options on Flood Insurance.

*Maps are constantly being updated, and many flood zones and BFE’s (base flood elevations) are changing with the mapping updates.

*Properties may change from Non-SFHA to SFHA or SFHA to Non-SFHA.

*Map changes effect the premium on policies.

*If there is a premium change, you should look into grandfathering the property.

*Grandfathering will only be used if it is more beneficial for the insured.

Flood Insurance Claims

Flood Claim Numbers

*American Bankers: 1-800-423-4403
*Fema: 1-800-621-3362
*National General:1-877-254-6819
*Orchid Flood: 1-772-237-8531 or 1-866-370-6505
*Selective Flood: 1-877-348-0552
*Southern Fidelity: 1-800-759-8656
*Wright Flood: 1-800-725-9472