How flood insurance works


Did you know that flood damage typically isn’t covered on a homeowners or renters basic policy? Did you also know that flood coverage is available to homeowners, renters, and business owners only if their community participates in the NFIP through the National Flood Insurance Program?

If you’re thinking of adding a flood policy to your basic coverage, don’t expect immediate gratification. The first step is to obtain an elevation certificate; these must be completed by a land surveyor, engineer, or architect who is authorized by law to certify elevation information. If your property is in Yakima County, you can find elevation certificate requirements at the County Assessor’s website; visit

Flood insurance premiums are calculated based on a number of factors. Your agent will ask you the year of construction, the number of floors, and other pertinent questions. After a policy is bound, there is a 30-day waiting period before coverage kicks in.

For more information, call or come in and talk to one of our agents. You can also learn more at