Flood Insurance 101-Every Property in Florida is in a Flood Zone

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future.

In fact, did you know that 25% of all floods happen in non-flood hazard areas? Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. Though the government actually provides flood insurance coverage, at Oyer, Macoviak and Associates, we issue this policy in the event of flood damage to your insured property, and Oyer, Macoviak and Associates can also service your claim.

Talk with Oyer, Macoviak and Associates today: 561-732-9305 or request a quote online to identify the best of coverage, value and price just for you. Please keep us in mind for your other insurance needs- home insurance, auto insurance, business insurance, and life insurance.

Flood Insurance Companies We Proudly Represent

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  • michael g.

    Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read more

    Allan C.

    They have always provided me with quick service that is high quality. I appreciate their attention to my insurance requests.

    Ena M.

    I spoke to Bobby and he was so helpful and responsive in a matter of minutes. I would really... read more

  • Barbara N.

    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more

    Marie B.

    If you are looking for an agent that is going to take care of you and your family by making... read more

    Bonnie S.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

  • Just m.

    Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read more

    Richard P.

    They are always there when you need them and they follow up in timely manner. They are always pleasant... read more

    Sharon B.
    positive review 

    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read more

  • Creative M.

    The most efficient & knowledgeable ins. people I know! Give them a try!Family owned & operated right in Boynton too!

    Janet K.
    positive review 

    When I call they are always pleasant & very helpful.

    Pris N.

    It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read more

  • Emily G.

    Excellent insurance agent.

    Fernando R.

    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read more

    Scuzzymuzzle F.

    As a first time home owner; they were accommodating to our needs and able to find us a policy that... read more

  • Fernando R.

    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read more

    Terry K.

    Fantastic Rates and Service. We have already been recommending Oyer, Macoviak & Associates to Friends and Business Associates.

    murray h.

    While I never had a claim with them, anytime I had a question or concern they were always there for... read more

  • Aden R.

    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read more

    Len P.

    Most helpful, most customer friendly, most informative agency imaginable.

    sandra l.

    They are the best! I’ve suffered with Geico,
    And Einsurance. Horrid experience with both. A friend recommended her broker to me,...
    read more

  • Beverly K.
    positive review 

    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read more

    Kim F.

    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read more

    Pris N.

    It's great to find an insurance agency that actually cares! The agents make sure we get the best home... read more

  • Beverly K.

    I have been a client for many years. The staff is pleasant and efficient. They always find the best companies... read more

    Dan W.

    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read more

    Allan C.

    They have always provided me with quick service that is high quality. I appreciate their attention to my insurance requests.

  • Angela C.

    I have had nothing but exceptional service from this company. They are friendly and professional, and extremely efficient. I now... read more

    Louise D.
    positive review 

    They are always there to help

    Angeline G.

    We have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and... read more

READY FOR THE NEXT STEP-HERE'S HOW IT WORKS

Need an insurance quote? Just fill out our quote form and we will handle the rest.

Let us shop multiple companies so you get the best rate with the best coverages.

After we issue the policy we still handle all the work. Policy changes, claims, applications we handle of it for you.