Flood Insurance in California-Coverage Your Homeowners Policy Doesn't Include
Why Every Homeowner Should Know About Flood Insurance
Most people don't realize it, but standard homeowners insurance never covers flood damage. "Flood" means rising water from rain, overflowing creeks, riverbeds, or even flash floods after rare storms. Even in dry Inland Empire cities, serious water damage can happen-like recent flash floods in San Bernardino foothills or Santa Ana River overflow. If a flood hits your home, only a dedicated flood insurance policy pays for repairs.
How Flood Insurance Works-NFIP and Private Market Options
Most flood insurance comes from the National Flood Insurance Program (NFIP), which Shaver Insurance can help you access. NFIP covers up to $250,000 for your building and $100,000 for contents. For higher limits or sometimes better rates, we also quote private flood insurance-especially helpful in low-risk or high-value homes. You get honest guidance on what fits your situation and budget.
Who Needs Flood Insurance? More People Than You Think
Flood insurance isn't just for homes in mapped flood zones. More than 20% of flood claims happen in low-to-moderate risk areas. If your property is near the Santa Ana River, in a flat area of Fontana, or simply at risk from seasonal rains, you could benefit. If your lender or mortgage requires flood insurance, we handle all the paperwork and proof needed.
What Does Flood Insurance Cover?
A flood policy pays for damage to your home's structure (floors, walls, appliances) and your belongings. Some items like basements or landscaping have limits/exclusions-our agents explain all details up front. There's usually a 30-day waiting period for new policies, so don't wait until storms are in the forecast.
Example:
If a rare storm causes Cucamonga Creek to overflow and flood your property, flood insurance would cover repairs to flooring, drywall, and furniture-costs not paid by your homeowners policy.
Local Insight, Real Protection
Shaver Insurance has helped Inland Empire families recover from unexpected floods-sometimes after decades with no prior water damage. We use FEMA maps, years of local claims experience, and the latest weather patterns to help you assess risk and choose smart coverage. Premiums in low- or moderate-risk areas can be just a few hundred dollars per year-much less than the cost to repair even a few inches of water damage.
Get Answers-And Protection-Today
Flood risk is confusing, but it's not something you have to face alone. Call or email Shaver Insurance for a clear risk assessment and a flood insurance quote-peace of mind could cost less than you think.
