Because standard homeowners insurance policies do not cover flood damage. Flood insurance is a separate policy needed to protect your home and belongings from flood-related losses.

Everyone is at some risk of flooding, regardless of where they live. You can see what your personal risk level would be through our platform, which will assess your flood exposure based on various factors like location, terrain, and flood history.

Yes, flooding occurs in all 50 states and U.S. territories and is a threat anywhere it rains. In fact, about 40% of flood claims come from properties outside high-risk flood zones. It’s essential to evaluate your individual risk and consider protecting your home and assets.

Yes, renters can also protect their belongings with flood insurance. While the building itself would be covered by the landlord’s policy, your personal possessions inside the rental unit would need separate flood insurance coverage, so it’s important that you have your own policy.

Without flood insurance, you would likely have to pay out of pocket for repairs and replacement of your belongings. Government assistance may be available in declared disaster areas, but it’s often limited and may not cover all your losses.

The cost of flood insurance varies depending on factors such as the location and elevation of your home, the coverage amount, and your deductible. With Titan, we ensure you get the best price possible for the coverage you need.

Many policies have waiting periods of up to 30 days before flood insurance coverage becomes effective. Titan offers coverage immediately if there is a loan closing requiring the coverage, otherwise we have a 5-day wait. It’s important to plan and purchase coverage well before any anticipated flood even

With climate change increasing the frequency and severity of flooding events, there is no way to be fully safe, no matter where you live. It’s crucial to assess current risk factors to protect your home from potential future flooding.

Flood insurance is typically required by your mortgage company if your home is located in a high-risk flood zone (within the government programs, high-risk are labeled A or V).

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