Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Flood Insurance

What is Flood Insurance?
Standard homeowner’s insurance does not cover damage from floods, even though it will cover some damage from rain. If your building is filled with water resulting from rising lakes, streams or rivers, or if you live near coastal areas and experience a storm surge, your home can sustain significant damage that will not be covered unless you buy a flood policy. For example, only damage from water falling from the sky caused by a violent thunderstorm that pokes a hole in your roof will be covered under regular homeowner’s insurance.

Virtually anyone who owns a home in a high-risk flood zone must carry flood insurance per the terms of their mortgage loan. However, even homes located in low- to moderate- risk zones can occasionally experience damage as approximately 20 percent of all flood claims annually come from such areas annually. Flood-related claims average $30,000 per incident.

If you live in a community that participates in the the federally regulated program known as the National Flood Insurance Program (NFIP), you can choose from two types of policies. One covers your building and the surrounding property for up to $250,000. The other type of policy covers personal property up to $100,000. If you need coverage for more than $250,000, excess flood coverage is available from a limited number of providers.

A flood policy that insures your building will cover the cost to rebuild or the actual value of your home. Specific items include the building itself and the foundation, electrical system, plumbing system, HVAC equipment, water heater, permanently installed carpet over unfinished floors, large kitchen appliances, permanent wallboard, paneling, cabinets and bookcases, window blinds, detached garages and debris removal.

Purchasing a policy that covers personal property will cover items such as furniture, curtains, electronic equipment like televisions, window air conditioners, portable appliances like microwaves and dishwashers, carpets that don’t fit the building policy description, washers and dryers, food stored in freezers and up to $2,500 in valuables, including furs and art.

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I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

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