Flood Insurance in Morgan City, LA

Servicing Morgan City, Patterson, Berwick, Bayou Vista, Houma, Thibodaux, Franklin and surrounding areas

Flooding is the most prevalent natural disaster threat for Louisiana residents, according to the Governor’s Office of Homeland Security & Emergency Preparedness. Purchasing flood insurance can help protect you against the damages flooding may cause. Contact Bruni Insurance Agency today to learn more about flood insurance and get a quote today.

Why Do I Need Flood Insurance?

Many personal or commercial policies, including home insurance, renters insurance, and commercial property insurance, do not provide coverage for flooding-related losses or damages. Flood insurance doesn’t usually take effect until 30 days after purchasing a policy. Sometimes a lender may require that you have flood insurance to make, increase, extend or renew your loan; with these requirements, there isn’t a waiting period.

What About Federal Disaster Assistance?

Federal disaster assistance is only available if the U.S. president formally declares a disaster. However, even if you receive disaster assistance, it’s a loan that you must repay with interest—and this loan may be in addition to your existing mortgage loan.

If you live in a community that participates in the National Flood Insurance Program (NFIP), you might be able to purchase an NFIP plan. The NFIP underwrites most flood insurance, usually through an insurance company or the NFIP Direct system.

What Coverage Is Available?

Two types of coverage are available: structure insurance, which protects your house, and contents coverage, which insures your belongings. Coverage may also be available for debris removal, loss avoidance and cost of compliance.

How To Get Flood Insurance

Bruni Insurance Agency can help you with flood coverage that meets your needs and budget. Call us today to get started on your flood insurance policy.