Flood Insurance Archives - Otterstedt Insurance Agency

Prepare Now for Hurricane Season

Written on August 29, 2025.

If you live anywhere near the East or Gulf Coast, hurricanes are a fact of life. But just because a hurricane is inevitable doesn’t mean you should be complacent. In honor of National Hurricane Preparedness Week, here are some facts you should know about hurricanes and steps to prepare...

5 Things to Know About Insurance This Hurricane Season

Written on June 2, 2023.

It’s official. Hurricane season has arrived. Yesterday marked the first day of the 2023 Hurricane Season. If you live in a state that’s affected by the hurricane storm, it’s a good idea to make sure your insurance policies are all set, and you’re prepared for any storms coming your...

What is Flood Insurance and Why Do You Need It?

Written on May 9, 2022.

As defined by FEMA, a flood is: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is your property) from: Overflow of inland or tidal waters; orUnusual and rapid accumulation...

What Damage is Covered Under Hurricane Insurance?

Written on August 30, 2021.

Hurricanes have always been something that people who live in hurricane-prone areas have had to watch for, not only because they can be harmful to humans themselves but also because they can seriously damage personal and commercial property. Hurricane season lasts from June through...

Does My Business Insurance Cover Flood Damage?

Written on March 24, 2021.

There are many perils involved in owning a business today. For this reason, many business owners purchase various commercial insurance policies. Unfortunately, many are surprised and dismayed to learn, only after they need to file a claim, that among the perils not covered by their many...

Is Flood Insurance Included in Renters Insurance?

Written on January 18, 2021.

You found the ideal apartment, passed a background check with flying colors, signed your lease, and even went so far as to take out some renters insurance to ensure your belongings are covered if something were to go wrong. But, before you call it a day and get too comfortable in your new...

Does Your Current Insurance Policy Protect You If a Hurricane Strikes?

Written on July 23, 2020.

While hurricanes can occur any time of the year, the official hurricane season begins June 1 and ends November 30 each year. As we approach the peak of hurricane season, which occurs mid-August through the end of October, it’s important to ensure your insurance protection is adequate...

How Much Flood Insurance Do I Need and When Is It Required?

Written on May 28, 2020.

Flood insurance is something that everyone, regardless of where you live in the United States, should consider. Even if you don’t live in what is traditionally identified as a high-risk flood zone, you should research and understand the benefits of flood insurance. Is Flood Insurance...

Is Hurricane Damage Covered by Homeowners Insurance?

Written on August 29, 2019.

Damage from flying branches, falling trees, heavy rainfall, and flooding are some risks you face during a hurricane if you’re a homeowner. In fact, nine million homes face the risk of damage from a hurricane storm surge, according to the CoreLogic Storm Surge Report in 2018. ...

The Risks of Being Underinsured

Written on February 26, 2019.

You probably know by now how important it is to have insurance coverage. What you may not know, until you find yourself filing a claim, is that being underinsured on your home, auto, personal umbrella, renters, flood, or liability insurance protection can be really painful as well. In...