Flood damage is not covered by standard homeowners insurance.

Whether caused by heavy rain, flash flooding, or rising water, floods can result in costly damage to your home and belongings. That’s why having a separate flood insurance policy is essential — even if you don’t live in a high-risk area.

At Sandoval Insurance Agency, we help homeowners, renters, and business owners secure flood coverage through the National Flood Insurance Program (NFIP) and other available options.

What Does Flood Insurance Cover?

Flood insurance generally protects two categories:

🏠 Building Coverage

Helps repair or rebuild the structure of your home, including electrical systems, plumbing, HVAC equipment, water heaters, and built-in appliances.

🛋 Contents Coverage

Protects personal belongings such as furniture, clothing, electronics, and appliances.

Coverage may be settled based on Replacement Cost Value (RCV) or Actual Cash Value (ACV) depending on property type and eligibility.

Because flood coverage rules differ from standard home insurance, it’s important to review your protection carefully.

Contact Sandoval First

Before flood season arrives, make sure you understand your risk and coverage options. We’ll review your property, explain available limits, and help you secure the right protection.

📍 Chickasha Office
416 Washington Ave., Chickasha, OK 73018
📞 Chickasha Office: 405-302-8324

📍 Lawton Office
1411 W. Gore Blvd., Lawton, OK 73501
📞 Lawton Office: 580-353-0333

Call now for assistance.