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Halabicky Insurance Group
Brighton, MI

2000 Grand River Anx
Suite 100
Brighton, MI 48114

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Halabicky Insurance Group
Imlay City, Michigan

335 E 3rd St
Imlay City, MI 48444

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Flood Insurance

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Flood Insurance in Michigan

If you’ve never seen a vast puddle in your yard, it’s possible to assume your home won’t get flooded. However, according to FEMA, 99% of counties in the US are affected by flooding between 1999 and 2019. Unfortunately, many Michigan residents don’t have flood insurance. Others fail to buy because they assume their homeowner’s insurance will cover the damage.

At Halabicky Insurance Group in Brighton and Imlay City, we encourage our customers to get flood insurance and explain why home insurance doesn’t cover damage caused by flood water. In this post, we will discuss what flood insurance is and what it covers.

What is Flood Insurance?

Flood insurance is a type of property insurance that protects your home and its belongings from damage caused by flooding. Flooding can result from melting snow, levee dam failure, coastal storm surges, prolonged rain, or blocked storm drainage systems. Home insurance covers water damage, not due to flooding, such as a burst pipe. That means you need to buy this separate policy to protect your property.

How Flood Insurance Works?

Flood insurance usually works based on your risk level. Generally, if you live in a high-risk flood area, you will pay more as your chances of filing a claim are higher. You must get special insurance if you live in areas prone to flooding in Michigan. If your property or belongings are damaged by flooding, you receive cash for the money required to rebuild or repair the damage.

What Does Flood Insurance Cover?

Unlike home insurance, flood insurance covers two specific things in your home: contents and dwelling. It covers the cost of the following:

Removing debris
Drying out, cleaning, and restoring fixtures
Replacing and repairing damaged belongings
Alternative accommodation when you can’t live in your home.

Get Your Policy Today

Remember, flood insurance has a waiting period in which you may not get compensated if flooding occurs during the waiting period. To learn more about flood insurance in Brighton, Imlay City and surrounding areas, contact us at Halabicky Insurance Group today.

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Testimonials

Doug will find you the best possible rate he can find. He doesn't just sell insurance, he is an advocate on your behalf to fight for the best coverage at the best best price possible. He literally contacted the underwriters and fought to get my homeowners policy rate reduced significantly.

- Ron Jaster

Obviously in my business it is IMPERATIVE to have a insurance all star on hand for my guests. Doug and the team over at Halabicky insurance group hit a grand slam every time for me as well as my guests. Professional from start to finish with a great attention to detail. They also have probably the most amazing office building you’ll ever have the opportunity to see. I highly recommend them for any and all of your insurance needs.

- Ryan Page

Received great service from Doug and his team!

- Abraham Pinheiro

Doug is great to work with. He is very responsive and worked with us to find the right insurance for our family. I would definitely recommend Doug and his awesome team!

- Elizabeth Yaklin

Wonderful people to work with! Easy to talk to, friendly, professional, and they had me covered. Three months of working with them I wrecked my truck and because of them they saved me thousands of dollars and all my medical was taken care of. No small writing, nothing hidden. Defiantly the best!

- Ariel Wess

Love getting great savings without sacrificing quality in our coverage. They really have our best interests at heart! Totally recommend them to all of my friends, family, and customers.

- Lauren Cain

Doug Halabicky and his staff are great to work with, they make you feel like a part of their family. They work with you and get you the cheapest price possible.

- Shannon Hamel

Doug really is the best!

- Evan Reed

They have become our friends & we recommend people to check out their prices there service & their business integrity. They are wonderful people to work with.

- Randa Boyd

Joe saved me money from day one and the customer service I have received is off the charts. I highly recommend Joe for all your insurance needs

- B S

I have been working with Tony and Joe for over 5 years now. Tony is the most prompt, professional agent that I’ve ever had. He returns calls and responds to emails within minutes. If I need a document, it’s in my inbox before I even hang up. When they left State Farm, I waited for my policy to expire and then I followed Tony and Joe. I’m glad I did because they saved me even more money. Mind you, they are on the east side of the state, and I’m on the west side. I could find any agency for insurance, but I stay with Tony because of his great service. I would definitely recommend them to everyone.

- liz detz

Joe and his team are extremely service oriented. Joe reviewed my coverage and made perfect recommendations for my family and our current life situations. His prices are extremely competitive yet give me better coverage than I had previously with another company. He's always prompt in answering my questions and genuinely concerned about the welfare of my families insurance needs. I always recommend him to friends, co-workers and family.
On another note I would never have guessed that State Farm did mortgages. Joe handled a new mortgage for us this summer and we got the best interest rate and closing costs I could find with excellent service and expediting of our mortgage. Really great experience! Very thankful I gave them our business.

- Pat Kopf

Joe and Tony are awesome! They're are very friendly and caring. A couple of years ago my son was hit by a car (he doing alright now) and when I came in to discuss my policy, Joe was so compassionate and concerned about my son. I just found that so awesome and I'll never forget the sincerity and kindness he showed me during that time.

- Latisha Williams

Joe is a great person to work with and is just a genuinely nice guy. Joe helped take a water damaged kitchen and turn it into a quick and easy restoration. The kitchen and dining area is now even better than before! Oh and making sure I got a check promptly for the work done was great too...Thanks again Joe!

- John Douglas

When there is a change in policy pricing or coverage from the corporate office, Joe or his staff calls to explain the change in clear, easy-to-understand terms. The staff including Joe is very warm, professional and knowledgeable. We have been very happy with our service.

- Sara Braverman

Joe assisted my family with multiple polices (auto, home, health) that protected us and made sense. He took the time to go over each policy and explain coverage details and why we should or should not have certain items in the coverage. We were able to save $ with Joe and put that toward other family expenses. Thanks Joe.
If your not talking to Joe about insurance coverage or how he could customize a plan to suite your needs...your simply making a business mistake that could cost you $ and time. Be smart and let him help you with your insurance needs.

- J.D. Concepcion

Joe helped my husband and I with our first home mortgage and he is our insurance agent. He's been very accessible and patient with us as new homeowners. I would definitely recommend him!

- J Lee

Every time I talk to Tony and Joe it's been a very positive experience. They always take the time to explain things thoroughly, so you can make an informed decision. They respond and take care of any issues very quickly.

- Damir Sugar

State Farm agent Joe Halabicky and his staff are very professional, friendly and always willing to assist you with your insurance needs. Easy to communicate with, will work with you to ensure good quality and good value.

- Dave Hylko

Halabicky Insurance Group Brighton, MI

Halabicky Insurance GroupImlay City, Michigan