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Why Your Home Needs Flood Coverage Insurance

Water and flooding damage is common in the Westport, CT area. If you live near a body of water or in a low-lying area, you’re at risk for water damage from rainstorms and other types of weather events. Also, most homeowners’ insurance policies do not cover flood damage. To be adequately protected, you need a policy that will reimburse you for damage caused by flooding.

Additionally, Flood risks aren’t limited to specific areas. You may think that you don’t need Westport flood insurance if you live in an area that isn’t prone to flooding, but you are mistaken. Floods can occur anywhere and do not require a storm system or other weather events to cause them. River floods, for example, can happen when snowmelt is combined with spring rains, and reservoirs overflow their banks.

What To Consider When Shopping For a Connecticut Flood Insurance

When shopping for a Westport insurance plan, there are many things to consider. The five factors listed below can help you decide which plan is right for you.

Coverage Needs

If your property is located in a high-risk flood zone, you must have flood insurance. Even if it is not in a high-risk area, it is wise to invest in a policy as a precautionary measure.


Flood coverage insurance doesn’t need to be expensive. However, how much you pay depends on the level of coverage you choose and the amount of deductible you want to carry. As always, the higher your deductible, the lower the premium.


The amount of deductible you carry will play a large part in determining how much your premium will cost. If a disaster strikes, the higher deductible means more money out of pocket on your end.


There are discounts available for certain types of homeowners and renters policies, resulting in substantial savings on premiums. Take time to ask about any discounts that may apply to you or your property.

Time Frame

Keep in mind that there is usually a time frame involved when purchasing flood insurance. In most cases, it takes 30 days for the policy to go into effect once the application is submitted. However, in some instances, your policy may go into effect immediately after you have applied.

Lender Requirements

If you have a mortgage on your home and live in a high-risk flood zone, your lender will require you to purchase flood insurance as part of your mortgage requirements. This is because lenders do not want their investment potentially destroyed by flooding.

What’s The Difference Between NFIP and Private Flood Policies?

Federal flood insurance is offered through the National Flood Insurance Program. It is available to any property owner in a community that participates in the NFIP, so long as the property is located in a Special Flood Hazard Area. It’s not difficult for a property to be located in an SFHA, either. According to FEMA, about 20 percent of flood claims occur outside high-risk zones.

You can purchase private flood insurance from a private market company specializing in writing flood policies. The policy is customized by the insurance carrier and underwritten based on its assessment of risk, which can lead to lower premiums and more coverage options than you might find with an NFIP policy. Private flood insurance also goes into effect more quickly than federal flood insurance, which requires at least 30 days before it becomes effective.

Where To Find The Right Flood Coverage Insurance Plan

At Daigle & Travers Insurance, we are the experts on flood coverage insurance. Our agents will guide you through choosing the right policy for your home or business. We’ll take you through the basics of flood coverage and explain how policies differ from state to state and from company to company.

We’ll also review what type of damage is covered under different policies. This guidance will clarify what’s included with each plan before making any decisions about which plan is best for you. And remember: You don’t have to wait until you need it before buying a policy – now is always the right time!

We are proud to serve our customers throughout Westport, CT, with a full line of insurance products and services. We also offer other insurance policies like Westport Homeowners insurance, Automobile insurance, Private client insurance, and many more. Contact us today for more information.