Protect Your Property from Rising Risks.
Flooding can cause extensive damage to homes, condos, and commercial properties — often beyond what standard insurance covers. At James Econn & Co., our Flood Insurance solutions help protect your property, belongings, and financial stability against flood‑related losses.
Even areas not considered high‑risk can experience flooding. We help you secure the right coverage so you’re prepared, not exposed.
What Is Flood Insurance?
Flood Insurance provides financial protection against damage caused by flooding, which is typically excluded from standard homeowners or property insurance policies.
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Overflowing rivers, lakes, or coastal waters -
Heavy rainfall and surface water flooding
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Storm surges and rapid water accumulation
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Damage to structures and interiors
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Loss of personal or business property
Our advisors help you understand flood risk and select coverage that matches your property and location.
Building Coverage
Structural and permanent fixture damage
Contents Coverage
Personal or business belongings
Electrical & Mechanical Systems
Furnaces, water heaters, and wiring
Loss of UseCleanup & Restoration Costs
Post‑flood recovery support
Policy Options
Residential and commercial coverage types
Oundation & Basement Coverage
Protection for covered lower‑level structures
How to Get Home Owner’s Insurance
in 4 steps
Flood Risk Review
Coverage Recommendations
Policy Selection
Ongoing Support
We always help
Frequently Asked
Questions
Is flood damage covered under standard homeowners insurance?
No. Flood coverage usually requires a separate policy.
Can properties outside flood zones get flood insurance?
Yes. Flood insurance is available for properties in both low‑ and high‑risk areas.
Does flood insurance cover basements?
Coverage varies by policy and insurer; certain items may have limitations.
How are flood insurance premiums calculated?
Premiums depend on location, flood zone, elevation, property value, and coverage limits.
Is flood insurance available for businesses?
Yes. Commercial flood insurance options are available.
Protect Your Property With Confidence
(310) 295-1502
Call to Our Experts