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 Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.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

    Nice locally owned business - competitive rates too!

    Cindy N.

    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read more

    Ron D.

    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy

  • Jose R.

    Oyer, Macoviak and Associates understands the meaning of "service". When I have a question or concern, I speak to... read more

    Jerry L.
    positive review 

    They are always willing to take time with me with whatever question I may have. They will get me... read more

    Melody L.

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

    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

    A G.

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

  • Creative M.

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

    Pris N.

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

    Don T.

    Best in business with fast and friendly service. I strongly recommend Oyer, Macoviak and Associates for all your insurance needs.

  • Helaine H.
    positive review 

    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... 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

    HarryZuck

    Best insurance company ever. Always there for you.

  • Sandra B.

    Excellent company to deal with. Personal service is A+. They return phone calls and will answer questions with knowledge and explanations.

    Fernando R.

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

    Chelsea E.

    Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.

  • Avi F.

    This company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to... read more

    Wayne M.

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

    Fernando R.

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

  • Emily G.

    Excellent insurance agent.

    Michael D.

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

    Doris D.

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

  • Scuzzymuzzle F.

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

    Len P.

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

    Flora A.

    I found that the agent was thorough in his research of finding an insurance company that would serve my needs.

  • Peter B.

    They go out of the way to help you

    joanne m.

    I was shopping around for Homeowner’s I surance after having a huge increase imposed by current carrier.. I was pleasantly... read more

    William P.

    Oyer, Macoviak & Associates is a great insurance company.
    They do their best to find the right insurance for us.
    We have...
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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.