According to several studies, the risk or catastrophic flooding is greater in Sacramento than any other major city in the country. Standard homeowners insurance policies do not cover flooding - a separate flood policy is required.

Sacramento area flood maps indicate that nearly 25% of Sacramento falls within a special flood hazard area (SFHA). Special flood hazard areas lie within a 100 year flood plain, meaning these homes have at least a 1 in 100 chance of severe flooding each year.

You can protect your home, business and belongings with flood insurance.

• Building coverage up to $250,000
• Contents coverage is separate, so renters can get flood insurance - up to $100,000 contents coverage is available for homeowners and renters. Contents are not automatically covered with building coverage.
• Up to $1 million of flood insurance coverage is available for non-residential buildings and contents
• There is a 30-day waiting period before the coverage goes into effect - Plan ahead so you're not caught without flood insurance when a flood threatens your home or business.
• Federal disaster assistance is not the answer - it is only available if the President declares a disaster. Flood insurance pays even if a disaster is not declared.

While reducing the risk of flooding may not be easy to achieve, being prepared with a well-constructed flood insurance policy isn't difficult. Don't wait until it's too late.

For more information or to get a Flood Insurance quote, call 916-739-8989.

Jack Chew & Co. Insurance has over 60 years of experience helping families and businesses in Sacramento, Elk Grove, Roseville, Natomas, Citrus Heights, Carmichael, Vacaville, Stockton and Modesto. As California insurance brokers, we are confident that we can find the best combination of price, coverage and service to meet all your insurance needs.