Recent Articles

Flood: Understanding the Risk, Navigating Insurance Options

With three-quarters of the Earth covered in water, it's no surprise that flood is one of the world's most destructive - and most common - natural disasters.

Individuals and businesses can be exposed to flooding virtually anywhere, at any time of year; yet flood continues to be one of the world's most underinsured events. To bring awareness to this issue and to educate consumers and businesses on the imporantance of obtaining flood insurance, Torrent has developed a whitepaper, Flood: Understanding the Risk, Navigating Insurance Options.

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Flooding Causes Damage Throughout the Carolinas

At the beginning of this month North Carolina and South Carolina experienced severe weather that affected homes and businesses all along the coast. This weather caused serious flooding and damage. While many property and homeowners were protected, there were some that did not have flood insurance. Those without the insurance needed to protect themselves have been left with devastating damage and costly repairs.

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Primary and Excess Flood Insurance Protection

Most homeowners don't suspect that flooding will happen to them, especially those who live in low-risk areas. However, in the past five years all 50 states have experienced floods or flash floods. If your home is worth more than $250,000, you may require excess coverage. It is essential that you have the right policy in place to prevent devastating financial losses.

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Flood Insurance Changes

Each spring the National Flood Insurance Program makes a variety of program changes and updates. Spring 2016 is no different. Here's what you need to know about some of the significant changes taking effect April 1, 2016.

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Flood Insurance Information

Flood insurance is both simple and very confusing. Here I go with some info about it. Flood insurance is never covered on any home insurance policy, and must always be purchased separately. Flood is managed by FEMA and NFIP, which is part of the Federal Government...

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