South Shore residents in coastal towns like Scituate, know that flooding can devastate a home or business. Standard homeowners insurance doesn’t include flood coverage. Talk to the local agents at McSweeney & Ricci about flood insurance in Scituate, Massachusetts today.
Your homeowners insurance protects your Scituate home from losses like fire and theft, only flood insurance helps with expenses in the aftermath of a flood.
If your home or business is located in what the Federal Emergency Management Agency (FEMA) designates a “high-risk” flood zone, you are required to carry Flood Insurance in Scituate, Massachusetts. Generally, FEMA designates any place with a 1% or higher chance of experiencing a flood each year a high risk. Those areas have at least a one-in-four chance of flooding during a 30-year mortgage. While there’s no such thing as a “no-risk zone,” some areas have lower or moderate risk.
Because floods can happen anywhere, McSweeney & Ricci recommends adding flood insurance to your insurance program whether you live in a flood zone or not. Anywhere it rains, it can flood. In fact, more than 20% of flood claims made to the National Flood Insurance Program (NFIP) are reported by people in zones not considered “high-risk.”
Our team of professionals knows the insurance needs of Scituate residents. We’ve had offices on the South Shore of Massachusetts for over fifty years. We’ve partnered with numerous top-rated insurance companies which allows us to provide competitive rates and flexible coverage options. We keep current on flood map changes in your area and can offer advice, along with a personalized insurance plan suited to your unique needs. We know your time is precious, so we offer conveniences such as an in-house claims department, on-site registry services and two convenient locations. Whether you need home, auto, flood or business insurance, we’re your local insurance agency with over half a century of expertise. We hope to hear from you!