The top-rated flood insurance agent in Parma, Ohio is Melissa Citovic-Vukotic - State Farm Insurance Agent, rated 4.9 stars across 273 reviews. Other highly rated options include Steve McIntosh - State Farm Insurance Agent, The Four Star Insurance Agency, Vince Hrobat Insurance Agency. This directory lists 16 flood insurance agents serving Parma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melissa Citovic-Vukotic - State Farm Insurance Agent | 7513 York Rd | (440) 884-4200 |
| 2 | Steve McIntosh - State Farm Insurance Agent | 5634 State Rd | (440) 888-8866 |
| 3 | The Four Star Insurance Agency | 5835 Pearl Rd | (440) 882-2000 |
| 4 | Vince Hrobat Insurance Agency | 7252 Broadview Rd | (216) 524-2007 |
| 5 | Capretta Insurance Agency Inc. | 5689 Pearl Rd | (440) 888-3113 |
| 6 | Robert Taylor Insurance (Parma Office) | 12000 Snow Rd Ste 13 | (440) 277-5191 |
| 7 | Universal Insurance Company Inc. | 8015 Bertha Ave | (440) 884-2530 |
| 8 | Hixson & Malinowski Insurance Agency | 5530 State Rd Unit 1 | (216) 252-0100 |
| 9 | Behzad Kermani American Family Insurance | 5455 Broadview Rd STE 200 | (216) 741-4644 |
| 10 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 12000 Snow Rd Ste 13 | (440) 809-2900 |
Melissa Citovic-Vukotic - State Farm Insurance Agent serves the Parma, Ohio metro area and surrounding Cuyahoga County with flood insurance services. The agency helps property owners select coverage from the National Flood Insurance Program, which is vital for homes and businesses situated in flood-prone zones. The agent also assists with standard homeowners and renters insurance needs. In this area, the agency handles flood insurance policy management and claim filing support.
Steve McIntosh - State Farm Insurance Agent in Parma, OH, provides flood insurance services to protect properties from water damage. The agency assists clients in selecting appropriate coverage plans to safeguard against flood-related losses. Service options include evaluating individual risk factors and explaining policy details to ensure informed decisions. Properties served include single-family homes, apartments, retail establishments, and restaurants, helping each type secure protection against local flood hazards.
Homeowners, businesses, and property managers in Parma, OH rely on The Four Star Insurance Agency for flood insurance agent services. The company helps clients secure National Flood Insurance Program policies to protect properties from water damage caused by storms and rising waterways. They assist with policy applications, coverage reviews, and claims guidance to ensure adequate financial protection against flood risks. This agency also serves the greater Cleveland metro area, including neighboring communities such as Brook Park and Middleburg Heights.
Homeowners in Parma know that spring thaws and heavy summer storms can strain local drainage systems, increasing the risk of basement flooding. Vince Hrobat Insurance Agency addresses these concerns by offering guidance on standard flood insurance policies that help protect properties in flood-prone areas of Ohio. Recognizing that each home has unique exposure to water damage, the agency provides personalized consultations to clarify coverage for various flooding scenarios. The process begins with a thorough property inspection, allowing the agent to assess vulnerabilities and recommend appropriate policy limits for each client.
For many homeowners, flood insurance is a one-time purchase tied to a mortgage requirement, while others need recurring annual renewals to protect against seasonal storms. Capretta Insurance Agency Inc. in Parma, OH, assists clients in evaluating their property risk and selecting coverage that meets their specific needs. Working with standard market carriers, the agency helps residents understand flood zone maps and policy details. Service for both new policies and annual updates is offered on a scheduled, appointment-based basis, with additional support available as needed.
Located in Parma, Ohio, Robert Taylor Insurance (Parma Office) offers specialty services as a local flood insurance agent, helping homeowners and business owners secure coverage against water damage. It handles the general service work of assessing property risk and matching clients with suitable federal and private flood policies. This agency assists property owners in navigating the complexities of floodplain maps and insurance requirements. It is particularly helpful when seasonal heavy rains and spring thaws create elevated risks for basement seepage and overland flooding in the area.
Universal Insurance Company Inc. in Parma, OH handles residential flood insurance needs, helping homeowners protect their properties from water damage. The company also offers commercial flood coverage for local businesses in the area. Serving Parma and the surrounding communities, it provides essential guidance on flood policies and risk assessment. The agency assists clients with filing claims when necessary and can schedule follow-up appointments to review coverage between regular seasonal visits.
Hixson & Malinowski Insurance Agency handles general property and casualty coverage for clients in the Parma, Ohio area. Its services specifically include flood insurance for residential and commercial structures. Recognizing that earthquakes are distinct from ground failures due to water damage, the agency helps property owners transfer financial risk from rising water sources. This flood insurance agent addresses threats of flash flooding and long-term saturation to buildings. Its commercial clients include local offices, warehouses, and food service businesses.
Behzad Kermani American Family Insurance in Parma, OH is known for helping homeowners and businesses secure flood insurance policies. These agents assess property flood risks and match clients with appropriate coverage options from available programs. They serve Parma and the surrounding northeast Ohio communities, where seasonal storms and water runoff create regular flooding concerns. Residential and commercial clients both benefit from their advice on coverage limits and deductibles. For extra protection, an agent can also add on a sewer backup coverage rider to a standard policy.
Specializing in flood risk assessment and policy placement, The Liberty Company Insurance Brokers, formerly Nationwide Insurance: Sam J Saraniti Clu, serves clients in Parma, Ohio. It works with homeowners and businesses to understand coverage options provided through the National Flood Insurance Program. The agency assists with mandatory requirements for mortgaged properties and helps review policies for gaps caused by changing flood zone maps. Its services become particularly essential during the spring thaw and heavy rain seasons that frequently raise water table levels in Northeast Ohio.
What Does a a Flood Insurance Agent in Parma Cost?
Flood insurance costs in Ohio vary widely based on your property's flood zone elevation and coverage limits. For a standard NFIP policy annual premiums typically range from 700 to 2000 dollars for low-risk areas and can exceed 4000 dollars in high-risk zones. Private market policies may offer different rates. This is general information and not insurance advice.
About flood insurance agents in Parma
Flood insurance agents in Parma Ohio help homeowners and renters secure coverage through the National Flood Insurance Program or private insurers. Ohio law does not require flood insurance for most properties but mortgage lenders often mandate it in designated flood zones. Parma residents near the Rocky River or Big Creek should review their flood risk and policy options with a local agent.
Frequently Asked Questions
Do I need flood insurance in Parma Ohio?
Flood insurance is not required by Ohio state law for most properties. However if your home is in a Special Flood Hazard Area as shown on FEMA flood maps your lender will likely require it. Even outside high-risk zones flooding can occur so many residents choose to buy a policy.
What does a flood insurance agent in Parma do?
A flood insurance agent helps you assess your flood risk determine the correct coverage amount and apply for a policy through the NFIP or a private carrier. They can also explain waiting periods elevation certificates and how Ohio flood zones affect your premium.
How long does it take to get flood insurance in Ohio?
Standard NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Ohio agents can help you plan ahead especially if a storm is approaching or a mortgage closing is near.
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