Don’t Let Water Damage Wash Away Your Assets
Standard property policies do not cover floods. We offer both private and federal flood insurance options to protect your home or business from rising water and surface runoff.
Why You Need Flood Insurance
Many property owners are shocked to learn that standard homeowners’ policies do not cover flood damage. Whether it is surface runoff from heavy rain or rising water from a storm, you need a dedicated policy to protect your structure, mechanical systems, and flooring.
Benefits of Flood Insurance
- Certainty: Guarantees compensation for covered losses (unlike interest-bearing federal disaster loans).
- Choice: We offer both NFIP (Federal) policies and alternate private carriers that may offer better rates.
- Claims Support: Most claims are paid within 30 to 60 days, helping you move on quickly.
Better Rates, More Options
While we offer government-backed (NFIP) policies, Luray & Associates, Inc. also provides access to private market carriers. These alternatives often offer broader coverage at significantly lower premiums than the federal option. If the waters rise, we are here to help. Our team is dedicated to handling your claims efficiently so you can move on.
Residential & Commercial Solutions
- For Homeowners: Protect your personal residence and belongings from the unique flood risks in Maryland.
- For Businesses: Secure your commercial building, inventory, and equipment against devastating financial loss.
