The top-rated flood insurance agent in Chesapeake, Virginia is Joe Sictor - State Farm Insurance Agent, rated 4.9 stars across 470 reviews. Other highly rated options include Michelle Benson-Dumas - State Farm Insurance Agent, Centerville Insurance Agency, Shawn Fischer - State Farm Insurance Agent. This directory lists 18 flood insurance agents serving Chesapeake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Sictor - State Farm Insurance Agent | 1365 S Military Hwy Ste 100 | (757) 366-2277 |
| 2 | Michelle Benson-Dumas - State Farm Insurance Agent | 1428 Kempsville Rd ste b | (757) 819-6733 |
| 3 | Centerville Insurance Agency | 516 Innovation Dr Ste 301 | (757) 420-0006 |
| 4 | Shawn Fischer - State Farm Insurance Agent | 825 S Battlefield Blvd Ste B | (757) 482-8350 |
| 5 | Ferguson Insurance Center | 1407 Stephanie Way Ste A | (757) 201-3000 |
| 6 | Garlow Insurance Agency - Nationwide Insurance | 312 Cedar Lakes Dr suite 201 | (757) 548-1515 |
| 7 | COVA Insurance | 638 Independence Pkwy Ste 220 | (757) 410-5800 |
| 8 | Nationwide Insurance: W T Jennings Insurance Agency Inc. | 676 Battlefield Blvd N Ste A | (757) 549-2447 |
| 9 | Goosehead Insurance - Gayla Murray | 1100 Volvo Pkwy Suite 200 | (757) 574-0899 |
| 10 | Cedar Road Insurance Agency Inc.: Goosehead Ins Broker | 801 Kent Pl | (757) 800-1250 |
Joe Sictor - State Farm Insurance Agent serves the Chesapeake, Virginia area with flood insurance coverage. As a local agent, this office helps property owners assess their flood risk and select appropriate policies through the National Flood Insurance Program. Assistance is provided with understanding policy details, coverage limits, and the claims process. This agency also guides clients through the required flood insurance application steps specific to their property location. Policy reviews and adjustments for residential dwellings are available from this office.
Michelle Benson-Dumas - State Farm Insurance Agent in Chesapeake, VA, provides comprehensive flood insurance solutions designed to protect properties from water damage. The agency offers personalized coverage options and policy reviews to help clients understand their risk. Routine consultations ensure that each plan remains adequate as conditions change. Services are available for single-family homes, apartments, retail locations, and restaurants.
Centerville Insurance Agency serves homeowners, businesses, and property managers in Chesapeake, Virginia, seeking flood insurance coverage. The agency helps clients navigate National Flood Insurance Program policies and private flood options to protect properties in flood-prone zones. It assists with policy selection, coverage limits, and claims support for residential and commercial structures. The agency also extends its services to homeowners and business owners in nearby Virginia Beach.
Shawn Fischer - State Farm Insurance Agent in Chesapeake, VA, specializes in flood insurance policies tailored to properties in flood-prone zones. It also provides general insurance services to address a range of client needs. Flood insurance agents in this area help homeowners and renters understand their risk and obtain appropriate coverage. The company frequently assists clients in reviewing their policies before hurricane season, when heavy rainfall and storm surges can pose significant flood threats to the region.
Located in Chesapeake, VA, Ferguson Insurance Center serves the city and its surrounding communities. It handles flood insurance policies to protect residential and commercial properties from water damage. Understanding the region’s coastal and low-lying areas, the agency works with homeowners and businesses to secure appropriate coverage through the National Flood Insurance Program. To handle a typical job, it reviews property locations against flood zone maps to identify specific risk levels and then customizes coverage options that match each client’s individual needs.
Flood insurance can be secured through a one-time policy purchase or maintained on a recurring annual basis to ensure continuous coverage. In Chesapeake, Virginia, recurring policies protect homes in designated flood zones against storm surge and rising water damage. Garlow Insurance Agency - Nationwide Insurance assists property owners in evaluating these two service approaches for individual risk levels. They offer customized single-policy placements and provide guidance for ongoing plan renewals. Their flood insurance services run on both a one-time and scheduled yearly renewal basis.
With heavy rains and hurricane season frequently threatening the Chesapeake, VA area, property owners must secure reliable flood insurance. COVA Insurance helps residents assess their specific exposure to coastal and inland flooding. The company guides clients through policy options that safeguard homes and belongings from water damage. Potential policyholders can contact the agent to schedule a full review of their property’s flood risk. This initial consultation includes a discussion of coverage limits and a detailed explanation of the claims process before any final decision.
For clients in Chesapeake, VA, Nationwide Insurance: W T Jennings Insurance Agency Inc. provides general property protection and then adds specific flood insurance coverage. Securing a separate flood policy is essential, as standard homeowner plans typically exclude rising-water damage. This office helps both residential and commercial property owners limit financial risk from heavy rains and storm surges. Their services are well suited for local business structures, including offices, warehouses, and food service operations.
Goosehead Insurance - Gayla Murray provides residential flood insurance services for homeowners in Chesapeake, VA. Commercial flood coverage options are also available for local businesses and property owners throughout the surrounding area. As a flood insurance agent, the agency guides clients through the process of selecting appropriate policies to protect against water damage. Customers are encouraged to follow up after major storms or when changes occur to their property, ensuring coverage remains suitable between regular service visits.
What Does a a Flood Insurance Agent in Chesapeake Cost?
Flood insurance costs in Chesapeake Virginia depend on your flood zone, building elevation, and coverage amount. Average NFIP premiums range from 700 to 2,500 dollars per year for standard policies. Private flood insurance may cost 500 to 3,000 dollars annually. Elevation certificates and flood mitigation can lower rates. This is general information and not insurance advice.
About flood insurance agents in Chesapeake
Flood insurance agents in Chesapeake Virginia help property owners navigate National Flood Insurance Program requirements and private flood coverage options. Chesapeake sits in a coastal floodplain where many homes and businesses must carry flood insurance per Virginia law and lender mandates. An agent can explain local flood zone maps and the 30-day waiting period for new NFIP policies.
Frequently Asked Questions
Do I need flood insurance in Chesapeake Virginia?
Yes if your property is in a high-risk flood zone and you have a federally backed mortgage. Virginia law does not require flood insurance for all properties but lenders often do. An agent can check your flood zone status.
How long does it take to get flood insurance in Chesapeake?
Standard NFIP policies have a 30-day waiting period from application to coverage effective date. Exceptions exist for loan closings or map changes. Private flood policies may have different waiting times.
What does a flood insurance agent do for me in Chesapeake?
An agent reviews your property flood risk, explains coverage limits and deductibles, and helps you choose between NFIP and private flood insurance. They also assist with policy renewals and claims questions.
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