Flood Insurance / Excess Flood
The right insurance policy will protect your property from damage due to the increasing incidence of floods.
From Basic Coverage to Excess Flood Insurance
Flooding is one of the most common natural disasters—yet it’s typically excluded from a homeowner’s insurance policy. Floods can occur anywhere, not just along the coast, even in areas not deemed high-risk flood zones. All it takes is a heavy storm that drops more water than the local drainage system can handle.
B. F. Saul Insurance will recommend a flood insurance policy based on your needs, from basic coverage up to excess flood insurance that provides higher limits.
We help you obtain the most appropriate flood protection based on:
- Flood zone
- Proximity to a body of water
- Home elevation
- Foundation type (e.g., full basement, crawl space, or breakaway walls in coastal areas)
- Equipment and furnishings on the home’s lowest level
Deep Knowledge. Exceptional Service.
Independent Family Ownership
We believe that being privately held is essential to achieving growth—now and in the future. Retaining an independent ownership results in a long-term outlook and provides the financial means to invest in resources relevant to your needs.
Expertise & Experience
Your goals and priorities come first. With meaningful experience serving individuals, families, and businesses, we keep up on relevant exposures in order to customize the advice to you.
Proven Service Model
At B. F. Saul Insurance, the advisor that understands your risks and business priorities also negotiates and structures your program. Our direct access to the global insurance market affords you the best possible results.
We Develop Long Term Relationships
On average, we retain about 95% of our clients every year (greater than the industry average of 80-85%). We are passionate about people—yours and ours—leveraging our knowledge about you to more effectively advocate on your behalf in the market.