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Bullet heading Flood InsuranceParagraph line  
 
One disaster most of us do not plan for and homeowner's policy does not cover is flood. According to A.M. Best Insurance Resource "floods are four times more likely to occur than a fire".
A.M.Best Insurance Resources, http://ww.ambest.com/guide/flood.html, March 29, 2004
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Fidelity National Property and Casualty logoArmed Forces Insurance is an agent for the largest "Write Your Own" (WYO) flood company, Fidelity National Property and Casualty (FNPAC).  FNPAC is a member company of Fidelity National Financial, Inc. Fidelity National Financial, Inc. is a Fortune 500 company and the nation's largest provider of title insurance, real estate related products and services, as well as the nation's largest WYO Flood servicing carrier. 
A "Write Your Own" company writes and services policies for the National Flood Insurance Program (NFIP), a federal program through the Federal Emergency Management Agency.
Flood photo
 
Damage caused by California flooding.  
Fema photographer John Shea  
February 6,2005  
The National Flood Insurance Program flood policy defines a flood as: "a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from:
 
  • overflow of inland or tidal waters;
  • the unusual and rapid accumulation or runoff of surface waters from any source;
  • mudflow."
  
Building and contents coverages are sold separately and they have different limits. Both are encouraged to be purchased for the utmost protection. Flood insurance has restrictions and requirements concerning applications and limits and exclusions on coverages. Customer Service Representatives can assist you with any questions you may have concerning flood insurance. Call toll-free: 1-800-524-9329 or email the flood department: flood@afi.org.
*Flood insurance policies are regulated by the federal government.  

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