J. James Wolfe Agency, Inc.
Canandaigua (585) 394-2790
Brighton (585) 235-4910
Phone: (585) 394-2790
Fax: (585) 394-9036
Phone: (585) 235-4910
Fax: (585) 486-1437
Your Local Flood Insurance Provider
Because of the unique nature of Flood Insurance, we kindly ask that you contact us to obtain information or a quote. Please keep in mind that most Flood Insurance policies have a 30 day waiting period before coverage can be bound. If you're uncertain as to whether or not you're in a Flood Zone, we can fun a flood determination for you. Thank you and we look forward to hearing from you.
Flood Insurance — Getting Coverage
Did you know that your home has a greater chance of being damaged by a flood than a fire? It’s true, according to FloodSmart.gov.
Unfortunately, your homeowner’s insurance policy won’t cover the damage to your home or property; only flood insurance will cover the losses.
We can also help you secure Flood Insurance to protect your home or business through the Federal Emergency Management Agency’s National Flood Insurance Program.
It’s a good idea to start the process as soon as you can, because most flood insurance policies have at least a 30-day waiting period before they take effect.
Premium costs for residential properties vary depending on coverage, which is available for your building, contents or both. The Wolfe Insurance Agency can help determine the flood risk level for your home and property and advise you on the appropriate level of insurance protection.
All types of homes including condos are eligible for Flood Insurance. You can even purchase Flood Insurance to protect your contents if you rent your home.
But while most Homeowners Insurance is set up to get your home and belongings back to their pre-loss states, Flood Insurance is designed to simply get you back on your feet — it’s not as comprehensive as most homeowners policies.
Flood Insurance doesn’t cover basement improvements like walls, floors or ceilings and personal belongings that are kept in the basement. It does usually cover washers and dryers, food freezers and the food inside. Water tanks, oil tanks, furnaces, stairways, unpainted drywall and sheet rock walls and ceilings are generally covered as well.
Many homeowners are unaware that their home insurance doesn't cover flood damage. Flood Insurance is the best ways to protect yourself from this type of loss. The staff at the J. James Wolfe Agency has vast experience dealing with Flood Insurance. Contact us today to see how we can help you get protected.
Let our experienced staff provide you with HOMETOWN service. Local and professional, Wolfe Insurance is committed to