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Can You Get Flood Insurance Through Your Regular Insurance Agent?

Posted on November 27, 2024November 26, 2024 by admin

Are you a homeowner thinking about getting flood insurance for your home? Flood insurance is an important type of insurance if you live near an area that floods regularly.

The Rowledge & Falvo Insurance Agency professionals servicing Scotia, NY can help. We provide insurance ranging from home insurance to flood insurance. If you need to know how to get flood insurance, we can help. Here’s what you need to know about getting flood insurance.

What Is Flood Insurance?

Flood insurance is a type of insurance that can help you repair or rebuild your home after a flood. Flood insurance is a requirement for homeowners who live in high-risk flood areas and have government-backed mortgages. If you need flood insurance, you’ll first need to find out what you can do to get your insurance.

Where Can You Get Flood Insurance?

Flood insurance is a program that the FEMA administers, the Federal Emergency Management Agency. However, FEMA does not handle the sale of insurance policies to homeowners. People who want to get flood insurance must talk to their normal insurance agents. Many insurance agents can help you get flood insurance.

If I Need Flood Insurance, What Should I Do?

Call your insurance agent at Rowledge & Falvo Insurance Agency, servicing Scotia, NY, if you need flood insurance. As an independent insurance agent, we provide a range of home insurance types, including flood insurance. If you would like to get flood insurance for your home, we can help. Call today to find out how much flood insurance costs and what you need to do to get a flood insurance policy.

Why Flood Insurance is Becoming Increasingly Important in New York

Posted on June 28, 2024June 25, 2024 by admin

Why Flood Insurance is Becoming Increasingly Important in New York

The State of New York is known for its wine, sports teams, impressive lakes, vacation areas, and major cities. It is not necessarily considered a flood-prone state. However, securing flood insurance is becoming increasingly important even here in the Empire State.

In the Scotia, NY area, Rowledge & Falvo Insurance Agency ensures you are covered.

Here are some reasons why you should consider flood insurance:

Flood Insurance is not part of a basic homeowner’s insurance policy.

Flood insurance is managed through the National Flood Insurance Program and is not a part of most homeowners’ basic insurance policies. It must be secured separately. Rowledge & Falvo Insurance Agency can assist you.

Climate change

Storms, including those involving rain and wind, seem to be growing stronger and more frequent, increasing the chances of flooding.

Increasing developments

More and more housing and commercial developments are creating ponding and flooding in areas that were not previously subject to such risks, and this trend is likely to continue.

Changing and expanding flood zones

A property purchased five or ten years ago that was high and dry at the time could now be in a flood-prone area. We can help determine your need for flood protection.

Get your quote today.

If you live in the Scotia, NY, area, we invite you to learn more about flood insurance at Rowledge & Falvo Insurance Agency. We are here to answer your questions, offer a no-cost home insurance review, and provide a no-obligation price quote. Contact us to get started today.

Why Do I Need Flood Insurance?

Posted on January 22, 2024January 25, 2024 by admin

Imagine waking up to find your precious belongings swimming in murky water, your cherished memories literally washed away. This is a nightmarish reality that millions of homeowners face every year due to flooding, the most common and costly natural disaster in the U.S.

Yet, many individuals are unknowingly unprotected against this devastating peril because they believe their standard homeowner’s insurance policy covers such events – an unfortunate misconception that often leads to significant financial loss. At Rowledge & Falvo Insurance Agency in Scotia, NY, we can help you secure flood insurance to protect your home.

Why Flood Insurance is Needed

In the volatile realm of mother nature, floods stand out as one of the most destructive forces. You may not reside near a water body or in a flood-prone area, but this doesn’t grant immunity from the possibility of experiencing a flood. It’s alarming to note that a large percentage of flood insurance claims come from moderate-to-low-risk areas.

Knowing that home insurance policies often do not cover flooding gives another compelling reason why embracing flood insurance is an absolute necessity for astute homeowners. Imagine pouring years into creating your dream haven only for it to be whisked away by unforeseen flooding. Bearing this in mind, paying a small annual premium could save you hundreds or perhaps thousands should disaster strike. By investing in comprehensive flood insurance, you’re safeguarding both your property and peace of mind. We can help you explore all of your options at our office.

Schedule A Consultation Today

If you are looking for flood coverage, Rowledge & Falvo Insurance Agency in Scotia, NY is here to help. We understand the importance of protecting your home from potential disaster. Contact us to start a flood policy.

My wife and I have been with Falvo agency for over 30 years and could not be more satisfied with the help we received after not only being a few auto accident’s but also a house fire and the collapse of our pool. For each case Frank Falvo , Patty and the rest of his team were so fast and efficient to help resolve these issues. This is a highly recommended insurance agency for anyone looking.

Joe Miller

I've been with Falvo and now Rowledge for over 25 years. So many companies have tried to convince me to switch. I just can't do it NOT even for a lower rate. They are simply the BEST!!!! The have been so GOOD to me over those 25 years, and they are truly appreciated.

Joseph Skinner

I am 27 years old, and just about to move to New York. This is my first time looking for my own insurance policy. Sharon Piazza was truly incredible. She was so nice and helped me every step of the way. She responded very quickly and I had no issues. She definitely got me the best rate available and I’m very happy with what I have. I highly recommend.

Mikey Medina

My husband and I have used Rowledge and Falvo for all our insurance needs and I recommend them without reservation. Sharon has been incredibly considerate and responsive, and she has taken the time to explain policies and find us the best options. She goes out of her way to help make things easier for us and she is always patient and informed. We just transitioned from renting to buying our first home and Sharon walked us through the entire process with her calm and encouraging presence. We are grateful and couldn't recommend Sharon and her team more highly!

Josey Brady

My wife and I utilize Rowledge & Falvo for both our auto and homeowners insurance. Ben and the rest of the team consistently go above and beyond what I would ever expect out of any insurance agency. This includes proactively finding us the best rates, working hand in hand with us throughout the stressful home buying process, and consistently working after hours when we have questions. Ben was an incredibly calming and reassuring presence when we bought our first home, and he even managed to find a number of mistakes that our mortgage company was making that ended up saving us a significant amount of money. Even though we are likely small clients for them, Ben and the rest of his fantastic team routinely makes us feel like we are the company's top priority.

Eric DeWitt

I would highly recommend the Rowledge & Falvo Agency to anyone looking for a quality insurance agency. Ben, Bruce and their staff are conscientious, courteous and professional at all times. We recently had a large claim when our vehicle was badly damaged by a falling tree. Ben immediately took charge and had the insurance adjuster reviewing the claim the same day. All went smoothly and our vehicle was restored to like new condition with zero issues. No doubt it was the Rowledge & Falvo Agency that made an unfortunate situation bearable. Thank you to Ben and staff for all that you do for your clients. Best of luck!

John Falvo

I have been using Rowledge for business and personal insurance (home, car, etc) for years now & would not even consider switching to anybody else regardless of cost. Their responsiveness & professionalism to multiple issues has proved invaluable to me personally. Their actions show how they truly care about their clients which is a rarity in these times. Highly recommended in my book.

Newest Lunch

I have had my car and home insurance through the Rowledge & Falvo Agency for the past six years and I could not be more pleased with the quality of service they provide. Aside from the excellent rates, which were lower than I was paying previously at a large insurer for the same coverage, the personal level of service is unparalleled. After recently experiencing a significant amount of home water damage, I cannot express how helpful this agency was guiding me through the entire claims process. From recommending a restoration company, to explaining in detail the necessary steps I needed to follow; to offering advice and even brokering conversations with claims agents, this agency did it all. Some of it even well outside normal business hours. We cannot thank them enough and highly recommend them to anyone needing insurance!

Daniel DeWitt

Ben has helped me with quality advice on both my car and homeowner's insurance plans and selected coverage that gets me the best value and service to meet my specific needs. They are very thorough, and are regularly checking up on my needs and often present me with newly available options to improve my service level while potentially lowering my out of pocket expenses.

When a pipe in my house sprung a leak, I was on the phone with them (over the weekend), and they walked me through every step from damage control, to getting an adjuster, to sending out an adjuster to assess, and lastly having the right professionals do the restoration.

Highly recommend!

Tom Durocher

We have been a clients of Rowledge Agency for about 10 years. They have always gone above and beyond to take care of inquiries or "issues" that may arise, no matter how big or small they might be. The staff is extremely helpful, friendly and knowledgeable. I highly recommend them for your insurance needs.

Sharon Sitts

Rowledge & Falvo Insurance Agency

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Category: Flood Insurance

Can You Get Flood Insurance Through Your Regular Insurance Agent?

What Is Flood Insurance?

Where Can You Get Flood Insurance?

If I Need Flood Insurance, What Should I Do?

Why Flood Insurance is Becoming Increasingly Important in New York

Why Flood Insurance is Becoming Increasingly Important in New York

Here are some reasons why you should consider flood insurance:

Get your quote today.

Why Do I Need Flood Insurance?

Why Flood Insurance is Needed

Schedule A Consultation Today

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I've been with Falvo and now Rowledge for over 25 years. So many companies have tried to convince me to switch. I just can't do it NOT even for a lower rate. They are simply the BEST!!!! The have been so GOOD to me over those 25 years, and they are truly appreciated.

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