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800.747.8393

Flood Insurance

Keeping Homeowners and Businesses secure in Flint and Swartz Creek, MI

Floods cause all kinds of damages; erosion, structural integrity compromises, and property destruction among them. These damages can result from floods that occur as a result of storms, overflows, and a variety of other things, and in any case even the slightest flooding can result in high costs. Insurance is a way of reducing and even eliminating these costs and keeping individuals and businesses secure in the events of floods. At Blackmore Rowe Insurance we work with the provisions of the National Flood Insurance Program (NFIP) to deliver optimal, customized flood insurance plans. We have our own flood insurance program and we adapt this program to individual clients’ needs to provide the greatest protection for the best price.

Extended and Specialized Coverages tailored to you

Flood insurance coverages are generally for structures and property and the limits for these coverages are set, in most cases, by the federal government. Special coverages are available, but in most cases the options provided by the NFIP are what insured parties and insurers can work with. Common flood insurance policies include General Property, Residential Condominium Building Association, and Standard Dwelling. These and other policies can be purchased as standalone policies or in combinations. 

 

Flood insurance covers many things, including

  • Personal items (clothes, electronics, furniture, etc.)
  • Non-drywall walls or ceilings
  • Carpeting
  • Paneling
  • Bookcases and built-in units
  • Window treatments

The limits of flood coverages cannot be exceeded, but an independent agent can help you find the right limits for your needs. Often, an agent can also find ways to accentuate flood coverage with other coverage from different insurance policies so that what is not covered by flood insurance is covered by other insurance.


Another thing to consider is reimbursement value. Replacement cost value (RCV) and actual cash value (ACV) are the two reimbursement options you have.  Businesses more often have the RCV option, which reimburses for a damaged item without consideration for depreciation, than homeowners because of the difficulty of establishing proper item value. Your agent at Blackmore Rowe can help you take advantage of RCV whenever possible.


Another thing that your agent can do is help you find the best deal on your flood insurance. Premiums for flood insurance vary from state to state and depend on factors like flood risk and home values. Prices for flood insurance are generally set by the federal government, but overall rates can be reduced through special benefits and discounts when purchased through an independent agent. The NFIP cannot provide these benefits and discounts.

Working with Blackmore Rowe Insurance

Most flood insurance premiums are not high and ultimately flood insurance is often not costly. The main reason for this is that most areas in the U.S. are not ‘high-risk’ and are therefore unlikely to suffer significant flood damage. In Flint and Swartz Creek and throughout Southeast Michigan flood risk varies, and we keep track of current ‘risk’ statuses throughout the state.  This way, we can give you the best possible deal on your flood insurance. As Michiganders ourselves, we’re tuned in to other trends and information that make delivering the best insurance solutions possible.


In Michigan flooding can come from rainfall, snowfall, overflows, inadequate waterway maintenance, and unexpected natural events. We stay up to speed on all of these potential causes and make sure that our clients benefit from our awareness. As result, our clients' costs remain low and reasons to file claims are at a minimum. This is part of what we offer. We also manage risk in other ways and we manage claims. We’re fully available as well, which means that for whatever reason you need us, we’re there. 


We offer comprehensive and affordable flood insurance plans that have basic coverages for buildings and property as well as additional coverages like debris removal, loss-avoidance measures, and increased cost of compliance. Using all coverage options available, our local knowledge, and our abilities, we’ll deliver the best soliton to you and ensure that you make the most of your insurance investment.


Contact us in Flint Township, Byron, and Durand or give us a call to learn more. If you’re ready to start on a policy you can also request a quote


Blackmore Rowe Insurance is proud to provide flood insurance in Flint, Swartz Creek, Flushing, Grand Blanc, and Davison, MI. We also serve other areas in the state and we serve four other states.


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Our Locations

Blackmore Rowe Insurance - Flint Township

G-6235 Corunna Road, #H
Flint Township, MI 48532
Main office: 810-250-4136
Toll free: 800-747-8393
Fax: 810-720-8238

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Blackmore Rowe Insurance - Byron

109 S Saginaw St
Byron, MI 48418
Main office: 810-355-4187
Toll free: 800-282-9766
Fax: 810-266-4031

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Blackmore Rowe Insurance - Durand

303 E Monroe St.
Durand, MI 48429
Main office: 989-932-0210
Toll free: 800-338-7263
Fax: 989-288-6360

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.