MCF
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MCF
Flood
Flood insurance provides coverage for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. Homeowners insurance does not typically cover floods. Purchasing Flood insurance through Massey, Clark, Fischer can help protect you.
Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your possessions secure. Flood coverage offers coverage against losses that result from heavy and lengthy rain falls, rising water,storm surges, etc. You may recall that in 2005 in New Orleans during Hurricane Katrina the ocean’s storm surge extended some 10-15 miles inland.
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Different types of policies are available based on your property’s location and flood history:
- Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a Standard Flood Insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a Standard Flood Insurance policy.
- Preferred Risk Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost Preferred Risk Policy. While you are not required to purchase flood insurance in low-to-moderate risk areas, a Preferred Risk Policy will help protect your home and its contents if you are affected by a small flood or a larger flood or a storm surge that has extended into your low risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
Don’t wait until it’s too late. Contacting Massey, Clark, Fischer today will get you on the path to flood insurance with an affordable insurance policy.
BackWhat our clients say?
This is by far one of the best insurance companies I have ever worked with. The staffs are very professional, and they reply in a timely manner. I did not have to go through multiple people like you would at GEICO or other big insurance firm to get my answers. For all your insurance needs such as disability, life, auto, house, etc.; these guys are amazing, and I would recommend them to everyone.
R S
April 16 2022
Massey Clark Fisher is an invaluable resource when you are trying to find the insurance coverage you need.
Laurel Drazen
March 30 2022
Hank and his staff are very professional and friendly. They always give us quick response. We recommend them for all your insurance needs.
Ron Algeri
October 14 2020
Hank is very knowledge about the insurance industry and provides trustworthy service to his clients. - Esther Zapata Ruderman
Conroy Simberg
September 11 2020
You can be confident when you do business with Hank Massey that your insurance needs will be taken care of in a professional and caring manner. The office is great to work!
JoAnn W.
August 19 2020
Professional service without loosing the personal touch. I have used them many times over the years and I have always pleased with their recommendations. Recently I needed a new policy for my rental. It was a challenge, but they didn't give up until they found the solution.
charles Walker
August 10 2020
Great deals. Lots of insurance options!
Mansa Smith
June 16 2020
They were an excellent resource. Worked tirelessly to find the best policy for our application. Much gratitude for the significant savings!
charles walker
June 02 2020
Quick response. Very helpful in finding a policy that's right for my needs! Friendly staff!
Dee Egizio
June 02 2020
Hank, I made the change last year to use your services. Your staff is always friendly and extremely professional.
Vincent Cordo
June 02 2020
My company partners with local insurance providers as we help clients with purchasing a home. Hank and his team are responsive and have helped clients become homeowners in Palm Beach County.
Ray Premuroso
June 02 2020
Hank, thank you so much for your work and quick response.
Leonard Pisciotto Jr.
March 06 2020
Kudos to MCF. Great service. Woud recommend.
VinayDeep Raj
December 17 2019
Experienced agents. Excellent services.
james henry
December 12 2019
Getting insurance has never been this easy! Definitely recommend going to Massey, Clark, Fischer.
Nandanie Ram
November 25 2019
Massey, Clark, Fischer is a professional insurance agency located in West Palm Beach area. They are always willing and ready to help you with any insurance needs one may have. Not only this Agency has years in business, but they are extremely knowledgeable and prompt when it comes to service. Their policyholders and employees are Very important to them. I am proud to be part of of this agency.
Claudia Upson
October 12 2018
Trusted adviser with our insurance policies. Quick to respond to any questions.
Rome C
October 11 2018
Hank Massey and his firm have been practicing in the insurance business in Palm Beach County for decades and continue to provide excellent insurance service, for both personal and business needs. I would highly recommend his firm for all your insurance needs.
keith kjackson@engenuitygroup.com
September 30 2018
I have been with Massey Clark Fischer for many years and have several policies with them...The owner, as well as my agent, offer personalized service and genuinely seem to care...They call back when they’re supposed to,are knowledgeable of their product, and follow through with any requests I may have...Real Human Beings! Highly recommend!!
MyBadabing
September 27 2018
Working with MCF has been a life changing experience. This is a hybrid agency that evolves with the insurance industry changes. You will find an extremely experienced, and helpful service team that will strive to get you the best option to fit your needs. I highly recommend you allow us to review your insurance portfolio to ensure you are receiving the best bang for the buck. #muckbunnymarykay
Jennifer Lutfey
September 25 2018
MCF has taken care of my insurance needs for the past 10 years, and I would highly recommend their services! As opposed to selling a specific product or roping you in to a single plan, Mr. Massey and his team can compare rates and policies to fit your individual needs. From the friendly staff to the great customer service, I highly recommend the professionals at MCF!
Michael Shelton
September 08 2018
Wonderful service! The staff is knowledgeable, quick to answer any questions, and trustworthy. It gives our family peace of mind knowing MCF is behind us.
Erin Walters
September 04 2018
Working for Massey, Clark, Fisher, Inc. is a pleasure couldn't asked for a better palace to work. Everyone here is very friendly, helpful, professional and make you feel part of the Family. Thank you for having me.
Ro A
August 09 2018
I started working for Massey Clark Fischer Inc in 2001. Everyone here feels like family. Hank Massey and Eric Fischer are very easy to work for. We all care about our clients. Our dedication to the clients is our main focus.
Barbara de la Vega
August 08 2018
My husband and I have been doing business with Massey Clark Fisher since the 80s. They are extremely professional and still treat you as family. Through the years I have had many insurance needs and work with me to determine the best product at the best price!
suzan kelly
August 08 2018
Great team 👍
Miranda Grace Massey
August 08 2018
Great service nice staff
mike massey
August 07 2018
We have used Hank and his firm for our personal and business insurance needs for the past few years. Great Firm. They have always been extremely responsive and willing to work for the best insurance for us. Highly Recommend them!
David Blotnick
July 31 2018
Hank and his team are great! I would highly recommend this company!
Spencer Adamson
July 31 2018
Working with Hank and his team has been an awesome experience! Massey Clark Fischer is an excellent company. I highly recommend them.
Chuck Konga
July 30 2018
I interned here for my community service hours, and i had a great time. Everyone is very helpful and very nice.
Alexis Upson
July 26 2018
Very helpful! Have been able to answer any questions that we have had and have guided us to find the exact coverage for our needs. Our mortgage company failed to pay our premium and our homeowner’s policy got cancelled. They were able to get the situation fixed painlessly for us! Highly recommend!!!
Jessica Shelton
July 19 2018
It is a great honor and pleasure to work at Massey Clark Fischer.” We are truly a Family ♥
Emily Abelha
June 20 2018
Most professional agency with the friendliest and kindest licensed agents! They are the most helpful in getting you the best rate out there.
Lisa Ortiz
June 18 2018
Great experience with the team at Massey! Definitely recommend them.
Poke Trooper
January 23 2018
Awesome firm. Very personal service. Highly recommended. Use them for both my personal and business needs! Hank is the true epitome of an insurance professional.
Paul Ramkissoon
February 09 2017
