Talk to Tapley's Flood Expert, Josh!
Flooding is one of the most common, and most costly, natural disasters in New England. Whether you live near the coast, by a river, or simply in a heavy-rainfall area, the right flood insurance can protect your home and your financial future.
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That’s where Josh comes in.
Meet Josh — Tapley’s Flood Insurance Specialist
Josh has years of hands-on experience navigating FEMA guidelines, flood zones, elevation issues, and the constantly changing rules of the National Flood Insurance Program (NFIP). He knows how to translate complicated flood maps and insurance jargon into clear, straightforward guidance.
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Josh brings a deep understanding of both NFIP and private flood insurance markets, allowing him to guide homeowners through the nuances of each. He specializes in coastal properties, high-risk zones, and elevation certificates, giving him the tools to assess even the most complex homes. With access to multiple carriers, he compares a wide range of options to find the best fit for your specific property. Josh explains every detail clearly, tailors every recommendation to your home, and never relies on a one-size-fits-all approach. When you work with him, you’re not just getting a quote, you’re getting a plan.
Why Flood Insurance Matters
Many homeowners are surprised to learn that standard homeowners insurance does not cover flood damage, and that flooding can occur in any zone, not just areas marked high-risk. Even a single inch of water can create thousands of dollars in damage, and many flood risks fall outside traditional FEMA maps. Despite these risks, flood insurance is often far more affordable than people expect. Whether you’re required to have coverage or simply want greater peace of mind, our team is here to help you understand your risk and choose the right protection.
NFIP vs. Private Flood Insurance
There’s no single “best” flood insurance option, it all depends on your property. Josh helps you understand the differences between NFIP and private flood insurance so you can choose confidently. NFIP policies are federally backed, offer standardized coverage, are often required by lenders, and are ideal for certain high-risk areas. Private flood insurance, on the other hand, can provide higher coverage limits, may include replacement cost on contents, and is sometimes more affordable depending on your zone, offering greater flexibility overall. Josh reviews both markets for you, making the decision simple and informed.
How It Works
"Joshua lowered my banks force-placed flood coverage from $2,860 to $486! I had to see this in person, so we had the opportunity to meet as well."
A.M. Lewis