Atmospheric rivers and flash floods in Northern California are unpredictable. Standard home insurance does not cover flood damage. We do.
Most homeowners in Folsom and Sacramento assume their standard policy covers stormwater. It does not.
25% of claims come from areas not mapped as "high-risk." Water flows where it wants, not where maps say.
You cannot buy coverage once the rain starts. Most policies have a 30-day lock before they activate.
California's weather has changed. It's not just about living near a river anymore. Between prolonged droughts creating hard soil and sudden atmospheric rivers dumping record rainfall, flash flooding is our new normal.
"We saw water rise in streets that had never flooded in 40 years. The drainage systems just couldn't keep up with the volume of the 2023 storms."
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We check NFIP vs. Private carriers for the best rate.
Start your waiting period clock immediately.
Most agents only sell the government plan. We offer both, but Private often wins.
Foundation, electrical, plumbing, water heaters, and built-in appliances.
Clothing, furniture, portable appliances, and valuables.
Don't get caught by the 30-day waiting period.
