National Flood Insurance Program vs. Private Flood Insurance

Who needs flood Insurance? 

Closing on a new home or commercial property? Typically the lenders and banks require either a private flood policy or a policy through NFIP because they have determined the property is at-risk of flood damage. If your lender has notified you of this requirement, don't wait!

We serve:

1. First-time homebuyers
2. Business owners in need of Commercial Flood insurance
3. Existing policyholders who need more flood insurance AKA excess flood

Who are we? We are insurance professionals who will help assess the cost-effectiveness of either private flood or NFIP plans.

What can flood insurance do for me? Although it is silly, most homeowners or commercial policies exclude coverage for flood. A flood insurance plan is designed to cover the actual structure and your personal belongings. Most polices can be extended to pay you for Loss Of Use - if your property were to become uninhabitable due to flood.

What can WE do for you? We take an empirical approach to assess the situation which is different for everybody.

When do lenders need proof of coverage? Typically they start to get antsy if they don't have proof of coverage 2 weeks prior to closing...let us take the stress off

When can I get my new policy? Once we decide on the appropriate plan for you, we can have policy docs issued instantly.

Where can I go to get my policy?

Stop in to 732 Parade Street Erie, PA, 16503 or just give us a call at 8145805998 we can do everything over the phone and have your policy documents delivered electronically.

At Level Of Effort, we are brokers, that means we are dedicated to getting you the answers you need. We have access to even better carriers than other local insurance brokers, so trust us with your business and we will always take care of you.

Why do I need to pay for my policy?

Flooding is the leading cause of losses and claims throughout the country. The NFIP was designed to mitigate the risk and cost amongst policyholders, however, due to such substantial losses, the NFIP policy premium has increased on average....

Is the NFIP cheaper than Private Flood Insurance?

The answer to that question is...potentially... However we are finding that private flood plans are more affordable, easier to issue, and cover more than NFIP policies.

Good news is that each lender is different. Some lenders require you to pay the premium up front for the first year; whereas others allow us to bill the lender for the first-year premium.

At Level Of Effort, We take an empirical approach to assess each and every situation.

How do I get a quote?

The simplest way is to call us at 8145805998 or fill out the quote form below and we will get back to you ASAP!

Additionally we would be glad to take the pressure off you by corresponding directly with your preferred lender. Just let us know.