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Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Commercial Auto Insurance COMMERCIAL AUTO

Discover the perfect insurance options for your specific needs.

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Commercial Property Insurance COMMERCIAL PROPERTY

We offer a variety of insurance options for your property.

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Business Insurance BUSINESS

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Boat Insurance BOAT

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Flood Insurance

Flood Insurance Quote Forms

Looking for insurance coverage Miami, Hialeah, Kendall, Miami Lakes, Cutler Bay and Pinecrest, Florida?
 Click any of the following links to submit a quote for quick, accurate and affordable rates.

Flood Insurance Information

There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

Thank you for your interest in US1 Insurance & Financial Services of Miami. Please feel free to contact one of our locations either in Miami at 305-220-5122 or Hialeah at 305-828-7222 or email your questions and an insurance professional will reply promptly.

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