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Flood Insurance in Chico and Oroville, CA
Protecting Homeowners and Businesses
Flooding causes damages of many kinds, including structure compromise, electrical fires, property loss, and personal injuries. These and other damages can be costly, and for this reason it’s important that every Californian has protection. Flood insurance provides this protection and at Dahlmeier Insurance Agency, Inc. we have a complete flood insurance program. We tailor solutions through this program to individual clients and we’ll tailor a solution to you. You’ll have the greatest possible coverage for the lowest price.
Flood Insurance Coverage Details
Flood insurance generally covers structures, belongings, and other assets. It has specific limits and rates that are determined by the National Flood Insurance Program (NFIP) but these rates and limits can be different if flood insurance is sold through an independent agent. One can have replacement cost value (RCV) coverage or actual cash value (ACV) coverage, and depending on the asset, one can choose between these two types of coverage.
In most cases, flood insurance is not expensive, but in parts of the country where flood risks are high, this type of insurance is pricier. California experiences frequent floods and flood insurance is therefore generally more expensive in the state. Recent changes to weather patterns and natural conditions have made portions of California more susceptible to flooding, and so flood insurance has become necessary for many people.
We’ll help you find the right coverages and we’ll ensure that your policy fits. We’ll use special assessment tools to find out what your flood risk is and to discover the effects that flood damages could have on you and on your assets.
If you want to find out about the flood risk level of the area in which you live, use the FEMA Map Service Center’s search tool.
What You Can Expect From Us
Flood insurance isn’t often difficult to purchase. It is important however, to purchase this type of insurance with the help of a licensed agent. He or she can inform you of the potential risks you face as a result of flooding and he or she can guide you through the insurance-purchasing process. We work closely with our clients to identify the right coverages and to create the best policies. Once these policies are in place we monitor them regularly and we keep clients informed.
We actively manage risk, and this helps reduce the chances that losses will be sustained and that clients will need to use their insurance. If insurance is used and claims are filed then we manage the claims. We’re also reachable at almost any time, so if clients need to get a hold of us, they can.
Additional Flood Insurance Information:
- California Flood Insurance Information and Resources (The California Department of Insurance)
- Flood Insurance Information and Resources (The Insurance Information Institute (III))
- California Flood Information and Resources (The California Department of Water Sources)
We are proud to provide flood insurance in Chico, Oroville, Paradise, Durham, Gridley, and Orland, CA. We also serve other areas in the state and we serve other states.