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 Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.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.

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  • Edie W.

    If you are in the market for an insurance company I would highly recommend this company. We have been with... read more

    Simone R.

    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
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    Jack F.
    positive review 

    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read more

  • Kim M.

    You offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped... read more

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    We have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read more

    Melody L.

    Everything about our experience with Oyer, Macoviak & Associates was great! Great customer service and prompt response to any... read more

  • Nelson C.

    I reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read more

    Deborah G.
    positive review 

    Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!

    Emily G.

    Excellent insurance agent.

  • Stephen B.

    i call on this company for customer service reasons for their own clients,

    Becky C.
    positive review 

    The most friendly and helpful insurance company ever! They're happy to help with any request.

    Kim F.

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

  • Roger H.

    Nice locally owned business - competitive rates too!

    Una G.

    I want to let every know that this company is the most wonderful company to do business with
    I got...
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    Allan C.

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

  • Ray W.

    Friendly people, prompt replies. Would highly recommend.

    Abby D.

    The staff is a pleasure to work with and are extremely helpful. Transitioning our homeowner's insurance over to Oyer, Macoviak... read more

    Angela C.

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

  • Doris D.

    Love the staff! Very friendly and helpful! If you need insurance, stop searching - This is the place to go!

    Wayne M.

    Knowledgeable and very easy to deal with. Would highly recommend them.

    Bonnie S.

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

  • Louise D.
    positive review 

    They are always there to help

    Elisa W.
    positive review 

    Oyer, Macoviak and Associates have always gone the extra mile to provide me with the right coverage for my needs... read more

    murray h.

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

  • Michael D.

    Very responsive and does a great job of shopping around for the best homeowner's and car insurance policies.

    A G.

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

    Len P.

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

  • Barbara R.

    Friendly and prompt service. Replied to all inquires!

    Pris N.

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

    Sharon G.

    They are the best. Been with them many years for my personal and business policies. I also recommend them to... read more

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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.