Flood Insurance in Des Moines, IA and West Des Moines, IA

Many personal and commercial property policies, such as home insurance and commercial property insurance, do not provide coverage for damages caused by flooding. To properly protect against the risk of flood damage, it’s necessary to purchase a flood insurance policy. 

Flood insurance is a highly regulated and sometimes complicated insurance marketplace, and here at Bishop White Insurance & Financial Services, Inc. we want to help you understand all of the options available to you. We’ll guide you through the process of purchasing flood insurance without a hassle, and we will be by your side to provide expert policy services at all times. 

We proudly insure residents of Des Moines, IA, and all you have to do is call us to get your flood insurance policy now! 

What is flood insurance? 

Depending on your level of risk, flood insurance can be vital to your recovery after a flooding event. Florida homeowners may be required to purchase flood insurance if:  

• They live in a designated high-risk flood zone and have a mortgage backed by a federally insured lender.   
• Their lender requires them to purchase flood insurance regardless of whether they live in a high-risk zone.  
• They live in a high-risk flood zone and have received disaster assistance through FEMA or the U.S. Small Business Administration (SBA). If they choose not to buy flood insurance, they typically will not qualify for future aid.  

The National Flood Insurance Program (NFIP) underwrites most flood insurance plans, but Florida residents may also buy a policy from a private insurer. If your community participates in the NFIP, you might be able to purchase an NFIP plan, available through major insurers and the NFIP Direct system.  

There are two types of coverage: structure insurance, which protects the home, and contents coverage, which insures the belongings inside. There may also be coverage for debris removal costs, loss avoidance and cost of compliance.   

Who Needs Flood Insurance?  

Many homeowners are required to buy flood insurance:  

• If you live in a designated high-risk flood zone, and you have a mortgage backed by a federally insured lender, then you will have a coverage requirement.   
• Some lenders require mortgage holders to buy flood insurance regardless of whether they live in a high-risk zone.  
• Coverage is required if you live in a high-risk flood zone and have ever received disaster assistance through FEMA or the U.S. Small Business Administration (SBA). If you do not buy a policy, then you will not qualify for such assistance in the future.  

Your personal needs for flood insurance may vary. Contact Bishop White Insurance & Financial Services, Inc. today to find out whether you may need flood insurance. 

How to Get Flood Insurance 

Talk to one of the dedicated agents at Bishop White Insurance & Financial Services, Inc. to determine which flood insurance options are best for you. We’re committed to working with you to ensure you receive the right benefits at the right time.