When most people think of flood, they think of events like Hurricane Katrina, Hurricane Sandy or Hurricane Matthew. While these are examples of huge devastating storms that caused billions of dollars in damage, most floods are caused by far less catastrophic situations. It only takes a few inches of standing water to cause tens of thousands of dollars in damage. And RARELY (if ever) does a homeowners insurance policy cover a loss due to a flood. Our agency writes Flood Insurance policies through the N.F.I.P. Program and we also have access to Private Market Flood options.