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Podmaska Insurance Agency

1309 Chalkstone Ave.
Providence, RI 02908

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Flood Insurance in Rhode Island

The worst thing about going through inclement weather, like a hurricane, is learning that you’ll have to pay for damages out of pocket because you lack flood insurance. According to the National Flood Insurance Program (NFIP), residents in high-risk and moderate to low-risk areas can acquire this insurance coverage. If you’re contemplating taking this policy but unsure about the benefits, talk to a reputable insurance company like Podmaska Insurance Agency in Providence, RI. We’ll ensure that you’re well-informed on the coverage options that are best for you.

Why Purchase Flood Insurance?

Floods can cause significant damage to a home when it happens. About 1 inch of flooded water in a 1,000-square foot can lead to damages worth $11,000, with 1 foot in a 2,500-square foot causing damages worth over $29,000. With the risk of flooding being a continual threat, taking flood insurance from us helps you recover faster in case of such an eventuality.

The renters in areas participating in the National Flood Insurance Program can also benefit from this insurance coverage. The flood insurance terms for renters differ slightly from that of homeowners, so you should contact us for guidance on the best options.

Is Flood Insurance Mandatory?

The first step we’ll take when you contact us for flood insurance is to let you understand that it’s a separate policy from homeowner’s insurance. While homeowner’s insurance may help cover damages to your home, you won’t receive compensation for destruction due to flooding. We’ll also inform you that this insurance is mandatory if you reside in areas highly prone to flooding and have a federal-backed mortgage.

Federal law doesn’t require mortgage borrowers in low-risk flood zones to take flood insurance, but we recommend you have it. You can go for the standard policies (Preferred Risk Policies) that are less expensive.

Get Your Flood Insurance Today in Rhode Island

Are you looking to secure your Rhode Island home from the risks of floods and unsure about the coverage you can get? Contact Podmaska Insurance Agency in Providence, RI, and we will guide you on how this policy can be beneficial.

Partner Carriers

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