Building Coverage
Repairs or rebuilds the structure — foundation, walls, wiring, plumbing, HVAC. Capped at $250,000 for a home through the NFIP, and required by lenders in high-risk zones.
Flood Coverage
is the standard wait before a new NFIP flood policy takes effect. By the time a storm has a name, it’s usually too late to buy one.
About Flood Coverage
Reliable Coverage For Unpredictable Weather
Flooding can happen anywhere — not just in coastal or high-risk zones. Just a few inches of water can cause thousands in damage. Standard homeowners insurance doesn’t cover flood loss, but flood insurance fills that gap. At Advanced Solutions, we help you prepare for the unexpected with protection that’s practical, reliable, and personalized to your property.
- Repairs the structure itself — foundation, walls, wiring, plumbing and HVAC
- Replaces furniture, appliances and belongings, as a separate line of cover
- Available for homes, rentals and businesses, in any flood zone
- Written through the NFIP or a private carrier — whichever suits the property
Coverage Explained
What’s In A Flood Policy
Flood insurance has fewer moving parts than most policies, but its limits and rules are where people get caught out. These are the six worth knowing before you need them.
Contents Coverage
Your belongings, as a separate line with its own limit — up to $100,000 through the NFIP. Renters can buy it on its own, without building coverage.
Increased Cost Of Compliance
If flood damage means your home must be raised or floodproofed to meet current code, the NFIP adds up to $30,000 toward that work.
Excess Flood
Picks up where NFIP limits stop. On the coast, where plenty of homes cost more than $250,000 to rebuild, this is what closes the gap.
Private Flood
Written by private carriers instead of the NFIP — often with higher limits, sometimes a shorter wait. Worth quoting against the NFIP every time.
Loss Of Use
Somewhere to live while the house dries out. The NFIP doesn’t pay it at all; some private flood policies do, and it’s easy to miss until you need it.
Not sure which flood zone you’re in? Send us your address and we’ll look it up with you
Why Us
Why Buy It Here
The policy is only half of it. The other half is who reads it with you, who picks up when you call, and whether anyone checks it again when the flood maps change.
Independent, Not Captive
We don’t work for one carrier. We work for you — and we can move you when a carrier stops being the right fit.
NFIP And Private
We write both, so the comparison is real: the federal program against private carriers, side by side, for your property.
We Shop, You Don’t
You give us one set of details once. We handle the comparing, the follow-up and the review at renewal.
We Know The Zones
Our office is in Ocean Springs. Flood zones, elevation certificates and storm surge aren’t abstractions here — they’re the questions behind every policy we write.
FAQ
Flood Questions We Get
The five that come up most on a first call. If yours isn’t here, call the office — you will get a plain answer, not a sales pitch.
Doesn’t my homeowners policy cover flooding?
No. Standard homeowners policies exclude flood — storm surge, rising water, and heavy rain that pools and comes in at ground level. Rain driven in through a roof the wind has damaged is a wind claim — on your homeowners policy, or on a separate wind policy if yours excludes wind. Water rising from outside is a flood claim. After a hurricane, that line decides which policy pays.
Do I need flood insurance if I’m not in a high-risk zone?
Federal law doesn’t require it outside high-risk zones, though a lender still can — and it’s worth pricing either way. Flooding doesn’t follow map lines: nearly a third of NFIP flood claims over the past decade came from outside high-risk areas. FEMA now prices each property on its own flood risk rather than its zone, so a lower-risk property generally costs less to insure.
How long does it take for a flood policy to start?
A new NFIP policy generally has a 30-day waiting period. There are exceptions — a policy bought at a loan closing can start then, for example — and some private policies wait less. What doesn’t work is buying once a storm is in the Gulf.
What is an elevation certificate, and do I need one?
It’s a certified document showing how high your building sits compared with how high local floodwaters are expected to get, usually completed by a licensed surveyor, engineer or architect. FEMA now treats it as optional, but submitting one can lower your premium. Your community’s floodplain manager may already have one on file — and if you have one, send it with your quote request.
Does my flood policy cover my car?
No. A car damaged by flooding is covered by the comprehensive part of your auto policy, not your flood policy — so it’s possible to have one without the other. If you’re on the coast with liability-only auto insurance, that gap is worth closing. See vehicle coverage.
Let Us Help
Ready To Get Started?
Tell us about your property and we’ll walk you through your flood coverage options.
Request Your Quote