Flood Insurance

Flood damage due to heavy rains or tidal surges is a potential cause of significant loss. Flood insurance is coverage for damages caused by the rising or overflowing of bodies of water. The National Flood Insurance Program (NFIP), guaranteed by the U.S. Government, is offered and administered by many insurance companies, all of whom use the same criteria and rating systems to determine and establish premiums. The NFIP has specific upper limits of coverage, hence the need for other insurance carriers to provide Excess Flood coverage for properties exceeding the limits of the coverage offered by the NFIP. In addition, Lutgert Insurance offers highly rated carriers that provide Excess Flood coverage for higher value properties. Call Lutgert Insurance today for details on both of these important coverages.

Lutgert Insurance is committed to providing professionalism and the finest customer service for any and all insurance needs. Our corporation employs over 85 people with the corporate headquarters in Naples and offices in Ave Maria, Fort Myers, Marco Island, Sarasota and Tampa.