In Hawaii, our sunny weather can provide a false sense of security when it comes to evaluating the risk of flooding. Hawaii is also prone to bouts of heavy rain, flash flooding as well as ocean surges due to high surf. Since flood losses are not covered by homeowners or fire insurance an unfortunate flood situation would make you responsible for any repairs to your home or property. With 25% of flood insurance claims occurring in low to moderate risk flood areas, any home can still be in danger of damage from sudden rushing water, mudflow, wave action and water overflow.
More importantly, with the recent flood maps changes, many homes in Hawaii not previously at risk, may now be classified in a flood prone area.
We provide flood insurance through the National Flood Insurance Program's Write-Your-Own Flood Insurance Policy. One modest annual premium is all it will take to protect you from the unexpected.
For more information on a flood insurance rate quote, contact an independent insurance agent today.