Flood and Excess Flood
Flooding can happen anywhere, not just in designated flood zones. From heavy rains and storm surges to broken pipes and drainage backups, even a few inches of water can cause devastating damage to your home and belongings. Flood and Excess Flood Insurance from Riemer Insurance ensures that your property and peace of mind stay protected when the unexpected strikes.
Typical Risk Scenarios We Help Solve
After a tropical storm, water seeps into a ground-level living space causing structural and electrical damage. A condo owner in a high-rise discovers their building’s master policy does not cover flood damage inside individual units. A coastal homeowner faces rising repair costs after a hurricane exceeds NFIP limits. In each of these situations, Riemer’s Flood and Excess Flood coverage helps clients recover fully and rebuild without delay.
Why Choose Riemer?
At Riemer Insurance, we believe that flood coverage should never be an afterthought. Our experienced advisors evaluate your property’s risk profile and design a comprehensive plan that fits seamlessly within your overall personal insurance portfolio.
We work with trusted carriers including PURE, Chubb, and AIG Private Client Group, giving you access to flexible coverage options, fast claims support, and the confidence that your most valuable assets are secure.
With more than 50 years of experience serving families across Florida and beyond, our commitment remains simple: helping you prepare for the unexpected and recover with confidence.
Who We Cover
We provide Flood and Excess Flood coverage for:
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Homeowners in coastal, low-lying, or inland flood-prone areas
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Condo and townhouse owners seeking supplemental protection
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Owners of vacation homes or secondary residences
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Tenants and renters who wish to protect personal property and valuables
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High-value homeowners whose properties exceed standard flood policy limits
Core Coverages
Our Flood and Excess Flood policies are designed to safeguard what matters most:
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Building Coverage – Repairs or replacement of your home’s structure, including foundation, flooring, and electrical systems
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Personal Property Coverage – Protection for furniture, electronics, clothing, and other belongings
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Temporary Living Expenses – Reimbursement for additional living costs if your home becomes uninhabitable due to flood damage
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Excess Flood Coverage – Extended protection for high-value properties that exceed the limits of a standard National Flood Insurance Program (NFIP) policy
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Replacement Cost Coverage – Ensures you receive the full value to rebuild or replace without depreciation
