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Flood Insurance in San Jose, CA and surrounding areas

Be Prepared with Flood Insurance

Flood is an excess or inundation of water on a piece of land. Home insurance doesn’t protect your property from floods. Floods have become one of the most common and costly natural disaster in the United States. Even though floods are most common in coastal areas, near lakes and rivers, a flood can happen anywhere. Floods can cause considerable damage. Don’t be caught unprepared – catastrophic loss is very unpredictable. We offer both FEMA written policies and work with private insurance companies that will meet your needs. Our private flood policies offer more coverage and meet the requirements of your mortgage companies.


Are you paying too much for your NFIP Flood Insurance?


Private Flood Insurance offers:


1. Higher Limits – Broader Coverage – No Elevation Certificates

Limits up to $5 Million available, eliminating the need for excess coverage in many cases

No Elevation Certificates Required!! Available for both commercial & residential structures

Provides Basement Content Coverage for finished basements, which is excluded under the NFIP.

Broader Flood Definition, no size requirement. NFIP requires 2 acres of inundation or 2 properties to be flooded.

Provides additional coverages not available through the NFIP: Additional Living Expenses, Increased Cost of Materials, Business Interruption Building Ordinance and Law, even a Course of Construction option.


2. Mortgagee Accepted Only Policies

Accepted by mortgagees to satisfy mandatory FEMA Private Placement Guidelines.

Direct bill at renewal. Online premium payments. Immediate online access to policy documents.


3. Meets all of the provisions required by The National Flood Insurance Act of 1968 and The Flood Disaster Protection Act of 1973, and including Biggert Waters Flood Insurance Reform Act of 2012. Flood Insurance Reform and Modernization compliance.


H.R. 2901 would revise the definition of private flood insurance previously defined in BW-12 at 42 U.S.C. 4012a (b) (7). The definition proposed would require federal agencies to accept private flood insurance from both admitted and non-admitted (i.e., surplus lines) insurers as long as the private insurance coverage "complies with the laws and regulations of that State." In revising the definition, H.R. 2901 would also strike existing statutory language describing how private flood insurance must provide coverage "as broad as the coverage" provided by the SFIP. In effect, this would allow individual states to determine most of the specifics of private flood insurance coverage accepted by federal agencies, federally regulated lending institutions, and GSEs. The dollar amount of coverage would still have to meet federal statutory requirements and the GSEs may implement requirements relating to the financial strength of such companies offering flood insurance.

Our Location

Red Wave Insurance Services

2901 Moorpark Ave. Suite 260
San Jose, CA 95128
Main office: 408-609-3966
Fax: 888-733-1767

Our Providers


Excellent and Professional Service. Thank you Red Wave for going above and beyond my expectations and being there when I needed information. Your service is awesome and you really went out of your way to do so. Thank you again.

Jesse S.
All my insurance needs. I've used Red Wave for all my insurance needs. Home, auto, life and health/dental for my family. My agent, Michelle shopped different insurers for me and found the right fit for my family's needs. Great service and great pricing. Whenever I had questions, she answered them for me. For heath insurance, we looked at Obamacare vs my grandfathered health plan and I stayed with my grandfathered plan. I appreciate the comparative feedback so that I could make the best decision for my family. For auto and home, I was provided several quotes from different insurers. I like this option where I can shop for the best pricing and plans. I highly recommend this company. For life, I needed a policy to protect my family if something were to happen to me. I feel I've protected my family

Koon Y.
I have been insured with Red Wave for several years and hold an auto and rental property policies. Michelle Lin has been stellar to work with when I have had to file claims she has always made the processes simple and streamlined. She is extremely receptive of the requirements and needs of her clients. I have never had issues filing claims and or receiving insurance pay outs. She is very professional and friendly, I would recommend anyone looking for an insurance policy to work with Michelle.

Jeff F.
I needed flood insurance in a pinch after my lender force-placed an expensive policy on a rental property. I emailed Michelle and she let me know my options very quickly and found a policy that will save me over $1200 per year! As a broker, she can shop around for the best rates and programs available. Throughout all our communications and interactions, I found Michelle to be very professional, knowledgeable and straightforward. I highly recommend Red Wave to anyone needing advice and product with all things insurance - you will be in good hands.

Richard W.
I've been using Red Wave for all my personal and professional insurance needs for the past few years. All I can say is that I HIGHLY recommend this company. Michelle(the Broker) is very professional, friendly, and is fully committed to finding the policy that would be in your best interest. She is so patient in answering my endless questions(even repeated ones) and does a wonderful job in making sure I was comfortable with the policy before I signed any papers and put money down. I am a very satisfied customer who will be sticking with this company for a long time! :)

Nancy L.
Got the lowest insurance rates thanks to Michelle. Great service!!

Nathan C.
Very quick and thorough service. Saved us lots of money too! We got home insurance through Michelle. Michelle takes the time to go through the various insurance items and explains what the various items are and which features are important for your particular requirements. Instead of selling a one size fits all package she makes sure the coverage is appropriate so you don't end up spending more than you want or getting less than you need.

First off, Michelle is a super nice person. You can tell she really cares about her clients and doing the right thing by them. Being an ex-cop, trust doesn't come easy....I was introduced to Michelle by another business person that was raving about her and what she had done for some people. Since Michelle is an Independent Broker, she is not beholden to any insurance company and can shop ALL of them for the best fit, unlike most brokers. I introduced her to my client and she totally took care of them, going out of her way to help. 5 stars!!

Steve B.
I was introduced to Michelle at Red Wave through a friend and I've been getting insurance through her ever since. We have our cars and home insured through Red Wave and benefit greatly from her quick response and action time. Would recommend her to anyone looking for an insurance broker.

Kirby C.
Michelle is a great insurance agent - she was able to find us a very reasonable rate and was very responsive in helping us work through issues related to our cars.

Mona W.
Michelle helped me with a home policy. I gave her 5 as the service was very efficient, cost effective and her explanation was always very clear.

Eugene C.
Michelle is superwoman. She's an honest, no-nonsense kind of gal. Highly recommended.

Christina V.