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Recentflooding in Louisiana,Oklahoma and Texas have put the threat of severe weather back on the map for most of the US and during a timeof the year when most of the country experiences drier/calmer conditions.The threat is realand couldn't be more relevant as the majority of the country prepares for hurricane season's peak. So don't get caught in high water without some level of flood protection!

Floods were once in a while occurrences back in the day, but as the population grows and habitation expands into areas of natural runoff or drainage, the frequency and severity of flood damage becomes more prevalent. Now, there’s a good chance it won’t happen to you and we certainly hope it doesn’t. But, are you willing to gamble with your property/assetswithout at least understanding how floods are covered;

  1. Flood damage is usually not covered under personal or commercial property policies;
  2. Any type of water accumulation or running across the surface of normally dry land area will most likely be considered a flood;
  3. In order to protect yourselves from flood damage, you must purchase a flood insurance policy; and
  4. It will take 30 days before a new flood policy becomes effective.

Flooding can happen anywhere at any time to anyone, and roughly 40% of all floods extend beyond the flood plain... So, don’t get caught off-guard. You can protect your home with a flood policy for as little as $146 annually! See the Preferred Risk (PRP, Zones B, C, X) pricing chart below!

Call Outcalt/Kerns today for moredetails!

Building & Contents 4

Contents Only 7


Annual Premium


Annual Premium

Without Basement or Enclosure6

With Basement or Enclosure5

Contents Above Ground

All Other Locations

$20,000/ $8,000






$30,000/ $12,000






$50,000/ $20,000






$75,000/ $30,000






$100,000/ $40,000






$125,000/ $50,000






$150,000/ $60,000






$200,000/ $80,000






$250,000/ $100,000






Rates effective April 1, 2016

These PRP rates are for 1-4 Family Residential. Other residential building and contents coverage combinations are available.

1 Add a $25 Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) surcharge for policies covering primary residences only if the named insured's primary residence is a single-family dwelling, an individual condominium unit, or an apartment in a non-condominium building. Add a $250 HFIAA surcharge for all other policies.
2 Add the $50 Probation Surcharge, if applicable.
3 Premium includes a 15% Reserve Fund Assessment and $25 Federal Policy Fee.
4 Premium includes Increased Cost of Compliance of $5 for residential coverage up to $230,000 and $4 for coverage over $230,000. Deduct this amount if the risk is a condominium unit.
5 Use this section of the table for buildings with crawl spaces or subgraded crawl spaces, including those with an attached garage that have proper openings.
6 Use this section of the table for buildings or subgrade crawl spaces with an attached garage without proper openings.
7 Use the contents-only coverage section of the premium table for individual residential condominium unit contents-only policies.

Note: Properties that have been newly mapped into a high-risk flood area may qualify for an equivalent PRP rate through the Newly Mapped procedure rating option. This premium table does not apply to those properties. Contact your agent for a quote.

Note: To qualify for a replacement cost settlement, a single-family dwelling must be the insured's principal residence and be insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss.

Note: Contents located entirely in a basement are not eligible for contents-only coverage.


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Outcalt/Kerns Insurance, LLC
1001 Eastwind Dr.
Suite 108
Westerville, OH 43081

PH: 614-890-0383
FX: 614-890-4809

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