Flood Insurance That Stands Strong When It Pours
Protect Your Home From Water Damage With Confidence in Germantown, MD
Most homeowners policies don’t cover flooding — but CF Alliance helps fill that gap. With rising weather risks across Maryland, flood insurance isn’t just for coastal areas anymore. Our local agents guide you through affordable options to protect your home, your belongings, and your peace of mind when heavy rains or rising water threaten everything you’ve buil
What Your Policy Should Cover
Building Property Coverage
Covers the physical structure of your home — including walls, foundation, electrical systems, HVAC, flooring, and built-in appliances — if they’re damaged by rising water. This protection is essential for restoring your property after a flood event.
Personal Property Coverage
Protects your belongings like furniture, electronics, clothing, and valuables if they’re damaged by floodwater. You can choose the right level of coverage based on what you own and where you store it.
Basement & Utility Room Items
Includes coverage for essential systems and equipment located in your basement, like water heaters, washers/dryers, and circuit breakers. Some limits apply, but this helps reduce major out-of-pocket costs.
Temporary Living Expenses (Optional)
While not standard in federal policies, some private flood insurance plans offer coverage for hotel stays and meals if your home becomes uninhabitable. We’ll help you evaluate your options.
Debris Removal
Pays for clearing out mud, damaged items, and debris left behind after a flood. This is often one of the biggest costs homeowners face in cleanup.
Flood Damage From Heavy Rain or Storm Drain Overflow
Even if you don’t live in a high-risk flood zone, flooding from poor drainage, storm surges, or melting snow can be covered. We’ll assess your risk and make sure you’re prepared.
Add‑Ons That Matter
Replacement Cost Coverage
Instead of reimbursing you for the depreciated value of your belongings, this pays to replace them with new ones — ideal for families or homeowners with valuable personal property.
Excess Flood Coverage
Adds extra limits beyond what a standard FEMA or NFIP policy provides — especially helpful for high-value homes or those with finished basements.
Business Property in Home Coverage
Covers business equipment and supplies stored in your home if they’re damaged by flooding — great for remote workers and home-based businesses.
Why It Matters
Because Just an Inch of Water Can Cost Thousands
Flooding doesn’t just happen near the coast. In Germantown and across Montgomery County, even moderate storms can cause water damage that your homeowners insurance won’t cover. CF Alliance helps you understand the risks and secure coverage that won’t leave you underwater — financially or emotionally.
What You Need to Know About Flood Insurance in Maryland
Is flood insurance required in Maryland?
It depends. If your home is in a high-risk flood zone and you have a federally backed mortgage, flood insurance is typically required — but we recommend it even if it’s not mandatory.
Does homeowners insurance cover flooding?
No — homeowners insurance does not cover water damage from rising water or surface flooding. You need a separate flood insurance policy to be protected.
What’s the difference between federal (NFIP) and private flood insurance?
NFIP is government-backed with standardized limits and waiting periods, while private insurers may offer higher limits and more flexible options. We’ll help you decide which is right for your home.
How long is the waiting period for flood insurance?
NFIP policies usually require a 30-day waiting period. Private flood insurance may offer shorter or no waiting periods depending on the policy.
Can renters get flood insurance?
Yes — renters can purchase flood insurance to protect their belongings, even if their landlord carries coverage for the building structure.
Let’s Make Sure You’re Covered
A single storm can cause lasting damage — but with CF Alliance on your side, you won’t face it alone. Let us help you protect your property and everything inside it with affordable flood insurance you can count on.