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FLOOD INSURANCE

Flooded Home flood Insurance Creekside Insurance Advisors
Flood insurance is not covered by a homeowners policy and must be purchased separately.

PROTECT YOUR HOME

Flood insurance helps cover physical damage to your home and belongings from floods or related losses from rising water. You can purchase a government-run National Flood Insurance Program (NFIP) policy through a variety of insurance companies.

 

WHY BUY FLOOD INSURANCE?

When you purchase an NFIP flood policy through an Allstate agent, you're helping protecting yourself from the financial burden flooding can cause. In fact, just one inch of water in a home can cost more than $25,000 in damage. Instead of paying out of pocket or taking out loans to cover your expenses, flood insurance can help make the recovery process quicker, easier and less costly.

 

TYPES OF FLOOD INSURANCE

The NFIP offers two types of flood insurance coverage: Building Property and Personal Property (Contents). The first helps protect your actual home and the second helps cover what's inside. To better prepare for the unexpected, the NFIP recommends purchasing both types of coverage.

WHAT'S COVERED BY FLOOD INSURANCE?

When you purchase both types of flood insurance—Building Property and Personal Property (Contents)—you're helping protect yourself from a variety of flood-related damages. Here are some of the things each type can help cover.

 

Building property coverage

Provides coverage for the physical structure of your home or non-resident property, including electrical and plumbing systems, refrigerators, window blinds and more.

Personal property (contents) coverage

Provides coverage for the items inside your home, like clothing, furniture, microwaves and televisions, at their value at the time of loss

 

WHAT'S NOT COVERED?

When it comes to flood damage, Building Property and Personal Property (Contents) policies won't cover:

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner

  • Currency, precious metals and valuable papers like stock certificates

  • Property and belongings outside of a building like trees, fences and swimming pools

  • Living expenses like temporary housing

Welcome to - Creekside Insurance Advisors, Inc.
OFFICE HOURS
                 Winchester Home Office

Monday - Thursday:  9 a.m. - 5 p.m.

Friday: 9 a.m. - 3 p.m.

                 Richmond Office

By Appointment Only

( or phone / Zoom)

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Testimonials

“In recent months, I made the decision to retire from Winchester Public Schools. After 35 years, I had multiple tasks at hand, and some very daunting.

Melissa made the transition much easier than I expected as she left no stone unturned. THANK YOU!"

Beth H.

“It was great working with Tina. She is knowledgeable and professional to work with. Helping us navigate through uncommon waters. Thank you!

 

I will be referring many friends so you can work your magic”

Bill, Bunker Hill, WV.

I was in to talk to Melissa Helmick on March 27, 2024 to determine the best choice for my Medicare Supplement insurance and prescription plan. I am turning 65 in July and know nothing about what to choose or what it entailed. Melissa was very detailed in letting me know what I needed and why. She explained everything to me and wrote everything down to make sure I understood. I walked in there with little knowledge of what path I should take when Medicare takes effect to walking out of there very knowledgeable of what I signed up for and what the cost will be and why. I recommend Melissa to anyone that needs any type of help with their insurance or insurance changes. It was a very positive experience from beginning to end. Five stars!

Myra J. Gentilcore.

Thank you so much for getting home owners insurance for us that I could keep Rommel. It meant everything!

Lovell

I received great service and dependable service. Also, the quotes by Gena Young are great.

Jerry L.

"Don and I wanted to thank you for always having our back. We are so grateful that you took the time, before you left on a much needed vacation, to set us in motion for a plan that we can afford, with the same benefits. I know that much of what you do is expected and rarely thanked. Don and I felt it important to let you know just how much we appreciate you. We received a call from Darlene to notify us that all was approved and that cards are on the way."

 

Gretchen and Don

"Melissa is always informative, uplifting and encouraging. 

Thank you for making changes less challenging.

You are a blessing!"

Maxine K.

I had the privilege of meeting Christian Fernandez recently when he got me up with more affordable auto and homeowners coverage. He was very diligent about helping me, and I was impressed from the outset with his warm and personable manner.

 

It was a delight to work with him, and you are blessed to have him in your group.

Joyce D, Winchester VA.

Gena Young is very knowledgeable with homeowners insurance. She is very friendly as well as punctual. I called her for a quote and she got back with me very quickly. She found me the best policy for my needs, she answers every question asked. I would recommend her above anyone else.

Pam P.

"Thank you for your great service!

 

It is wonderful how you are able to make something complicated easy to understand."

Lilliallen

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