Flood Insurance in Hampton and Virginia Beach, VA

In recent years, all 50 states have experienced floods of flash floods. Most home or property insurance does not cover flood damage.  You may think your homeowners insurance has you covered from most natural disasters; unfortunately, it doesn't most of the time .Even if you have homeowners, landlord, auto, or business insurance, you need to purchase a separate flood insurance policy to be protected from flood insurance damage.

Flood insurance is issued through the National Flood Insurance Program (NFIP), which is a part of the Federal Emergency Management Agency (FEMA).  One must reside in an area that qualifies for flood insurance coverage in order to purchase policies.  Almost any area in the United States qualifies, so meeting federal requirements is generally not difficult.  Coastal Barrier Resource Systems (CBRS) are the only areas in the US that currently cannot qualify for flood insurance. 

The federal government issues flood damage coverage, but one can purchase it through an independent insurance agent.  Purchasing through an agent is an easier way for almost all consumers and businesses to get flood damage coverage.  Agents make understanding risks and coverage needs easier and purchasing policies more expedient.  They communicate with the federal government on your behalf and usher you through all coverage-maintenance processes. 

Whether you think you are at risk for flood damage or not, it is important to consider purchasing flood insurance.  Floods are the most common natural disaster in the US and occur in all areas of all fifty states, whether the areas are ‘high-risk’ or ‘low-risk.’  The damages that floods can cause are astronomical – in the US in 2014, flood damage costs amounted to over $1 billion. 

At Morgan Marrow Company, we know and understand the risks that flood damages pose and we are familiar with the costs that these damages can incur.  We will help you determine whether or not you at risk of flood damage and what kind of coverage you might need to stay protected.  If you become a policyholder, we will communicate with the government on your behalf and help you maintain coverage.

What does Flood Insurance cover?

Flood insurance helps protect dwellings of different kinds and businesses.  It protects properties and contents within properties.  Most flood insurance policies include three types of coverage: building, contents, and replacement costs.  Each of these coverage options offers different kinds of protection. 

Flood insurance can also cover the cost of items, like sandbags, used to protect a home.  Coverage limits and premiums are determined by the federal government, but if you want to cover property or assets for more than the NFIP’s maximum limits, an independent insurance agent can help you determine whether or not you’re eligible for the purchase of excess flood insurance, which gives you additional coverage. 

At Morgan Marrow Company, we help you understand all of your coverage options and match the right options with your needs. 
Coverage options for properties include:

  • Building and foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, stoves, and built-in appliances such as dishwashers
  • Permanently-installed carpeting over unfinished flooring
  • Window blinds
  • Detached garages, up to 10% of building property coverage

Coverage options for contents include:

  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets not permanently installed over unfinished flooring
  • Washers and dryers
  • Freezers and food contents
  • Valuable items such as original artwork and furs, up to $2,500
  • Replacement cost coverage is not available for personal property

Understanding your flood risk and what flood insurance typically protects can help you choose coverage that meets your needs. At Morgan Marrow Company, our specialists help you understand your risks and find appropriate coverage.  They also provide you with ongoing support and help you settle claims more quickly than the federal government can.

Our Locations

Morgan Marrow Co. - Hampton

Morgan Marrow Co. - Hampton

21 Manhattan Square
Hampton, VA 23666
Main office: 757-384-0727
Toll free: 800-865-1021
Morgan Marrow Co - Virginia Beach

Morgan Marrow Co - Virginia Beach

484 Viking Drive, Suite 140
Virginia Beach, VA 23452
Main office:
Toll free: 800-865-1021

Our Providers

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.