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Read What Our Satisfied
Customers Are Saying!



★★★★★"Great customer service, quick response and turn around. Thanks Jennifer!!"
Cathy Washington - Dallas, TX


★★★★★...Your patience and understandin...
"Thank you so much for all your help in obtaining the flood insurance I needed so that I could purchase my first home. It is really too bad other insurance agents aren't like you, in your patience and understanding in helping me obtain all my insurance with one agent. I could not have completed the purchase of my home without your help! I may have located you by searching online and I did not expect much when I sent the first email. But, I was extremely surprised to be in contact with an agent that really cared and went the extra mile to help me. Again, thank you so much for all your help."
Pamela Tanner - Unadilla, NY


★★★★★I was a little scared to switch...
I recently changed all of my insurance due to the horrid flood insurance policies, Jennifer was so helpful in finding me flood insurance at a reasonable rate and included my home insurance also. Since she did so well with that we changed our car insurance also. When she found me a company I had never heard of, I was a little scared to switch. But did anyways and then 3 weeks later my son totaled his car. But with working with this new company and Jennifer everything worked out well. I am so thankful for all her help with my insurance needs. Plus I have never had insurance people call to see how things are going which I think is great customer service on her part. I thank her for all her help and hard work."
Vicki Sanchez - Huntington Beach, CA


★★★★★...Affordable Flood Insurance policy...
"I just wanted to say that you did a great job in setting me up with an affordable flood insurance policy for my home. Your honesty, expertise and professionalism was very refreshing after weeks of being put through the ringer by other insurance providers. You saved me close to $2000.00 per year for twice the coverage offered by others and if I would have found you sooner I would have saved another $750.00 dollars on a flood elevation survey that I did not need! I will definitely recommend your firm to friends and family that find themselves in the same predicament as I. Thank you so much for a pleasant experience and your superior performance."
Robert Gallagher - Rochester, NY


★★★★★"...Beginning of a long relationship between us...My wife June and I would like to express our sincere appreciation to Jennifer for an excellent job that she did for us. She found solutions to our needs, not only saving us money but also found us better policies. Jennifer is very courteous, knowledgeable, professional and reliable. Her customer service is second to none. She is always calm under pressure. We tried to do eight policies all at once with one fairly complex policy. She tried many options to come up with the best solution for each property. We believe she got us a very good package. We trust that this is just the beginning of a long relationship between us and your company."
Glang Dao - Milpitas, CA


★★★★★I also like the extra features..."Orlando's entire staff went above what I expected, not only did they give me great rates but as a consumer I feel better educated about my insurance. I know what the coverage's mean because they took the time to explain it to me. I also like the extra features of being with RIS, like the newsletter and Referral Program. This year I am going to win the GRAND PRIZE!"
Kim & Dave Evange - West Palm Beach, FL


★★★★★...I highly recommend them"What a great experience! It was easy to reach them on the phone and everyone was very polite and my calls were returned in a timely manner. I appreciate them going over the information and making it easy to understand. Rogers Insurance has great service and I highly recommend them!"
Corinne Caen - San Rafael, CA


★★★★★Money...service...protection...this Newport Beach Woman says Rogers has it all! "I have always appreciated the timely service we get from Veronica and all the staff at Rogers Insurance. And the fact we're able to save money and get better protection is the icing on the cake!"
Patty Carter - Newport Beach, CA


★★★★★One word describes it: "amazing!"
Our family has been given excellent service by Rogers Insurance. Through Gary of Rogers Insurance's office, we were able to obtain the coverage we needed at reasonable rates with professional, organized and prompt service. When we had a claim, Lori was available when we needed her and our claim was resolved amazingly easily. We highly recommend Rogers Insurance.
Thomas and Ann Broderson - El Cerrito, CA


★★★★★ Loyal for years! Recommends to "everyone!"
"We have done business with Rogers Insurance for many years and have always been more than happy with the way we're treated by all of their people. Veronica is great to work with and I recommend them to everyone."
Gary and Linda Owens - Hillsborough, CA


★★★★★...knowing we are in good hands "We are so happy with the service provided by Rogers Insurance. We have ALWAYS received prompt and courteous service from the entire staff. They have been dedicated to finding the lowest cost insurance for us AND ensuring we continue to hold the most suitable coverages for our protection. Veronica has been a wonderful person to work with and, best of all, she has made us feel comfortable knowing we are in good hands. Veronica has been wonderful to us in taking the time to deal with our concerns and questions. We truly feel as if she understands our needs and she has taken the time needed to help us understand what is best for us. Thank you to Veronica and to Rogers Insurance!"
Brian and Jody Adney - Half Moon Bay, CA


★★★★★ "RIS handles all of our insurance needs, personal and business. They have many different companies for us to choose from, we are very satisfied."
Patty Carter - Newport Beach, CA


★★★★★ "Your service is the best all the way around, from your polite and helpful staff to your prompt and professional service. Thank you!"
Chris and Julie Simmond - Santa Barbara, CA


★★★★★One word describes it: "amazing!"
"Our family has been given excellent service by Rogers Insurance. Through Gary of Rogers Insurance's office, we were able to obtain the coverage we needed at reasonable rates with professional, organized and prompt service. When we had a claim, Lori was available when we needed her and our claim was resolved amazingly easily. We highly recommend Rogers Insurance."
Thomas and Ann Broderson - El Cerrito, CA


★★★★★ "I've been dealing with Orlando since 1991. I refer all of my business & personal associates to Rogers Insurance. Their staff is the best in the valley."
Terry and Judy Strom - Dublin, CA


★★★★★ "The staff at Rogers Insurance is the only insurance company I feel comfortable with. They give great services and great insurance pricing."
Ralph and Susan Hernandez - Riverside, CA/i>


★★★★★ "I know I can count on the RIS team to always keep our insurance needs first. That's why I always send my friends and family to them."
Peter and Gayle Stropey - Newport Beach, CA


★★★★★ "I just love getting the free reports from your website (www.RISdirect.com). They are so incredibly informative and they saved me money too!"
Anthony and Teresa Spica - Danville, CA


"Thanks for everything, you were incredibly helpful."★★★★★
Scott Dreisbach - former Oakland RAIDER QB


★★★★★"I have been offered insurance by two different competitors, but have elected to remain with Rogers Insurance because my relationship with them has ALWAYS been wonderful. I believe that staying with what is tried and true is worth more to me than going with a company who claims they're better."
John McDaniel - Castro Valley, CA


★★★★★"You have helped me protect my family and my possessions. THANK YOU!"
Joseph Granada - Castro Valley, CA


★★★★★"Your staff is knowledgeable, friendly and helpful - basically they are EXCEPTIONAL."
Brian Hawrylak - Pleasanton, CA


★★★★★"Rogers has exceptional customer service and can help with anything!"
Kenneth Cross - Hayward, CA


Or Call (800) 747-5311 Now And Speak With A Licensed Professional

Tips for Picking the Proper Flood Insurance

Two inches of water can cause nearly $8,000 damage to the average home, according to research conducted by the Federal Emergency Management Agency (FEMA).
Not only is water-related damage one of the most common causes of an insurance claim, thanks to recent flood-zone revisions by FEMA, millions of homeowners are racing to find affordable flood insurance for the first time.
Unfortunately, selecting the best flood insurance isn't always the easiest of tasks.
Following is a checklist to use when speaking with an agent about purchasing the right flood insurance protection for your property.

Many underwriters are restricted from writing a new flood policy once a major event is announced, so shop for flood insurance ahead of time.
Find out when the flood policy is scheduled to go into effect, and ask about purchasing a temporary policy during the interim.
Remember, flood insurance doesn't always cost a lot.
Homes in low to moderate risk areas may qualify for preferred risk policies.

Policy Specifics
Understand what type of flooding is included and what is excluded, as well as which portion of the policy will cover the damage.
For example, high winds from a hurricane may result in water damage to exposed areas of the home, earthquakes can cause pipes to burst and even putting out a fire may result in extensive water damage.
Ask your agent what portions of the policy provide needed protection in different scenarios, and evaluate the deductibles, limitations and restrictions for each.

Review Your Risk
Updated flood maps have resulted in big changes.

Visit www.floodsmart.gov and enter your zip code to get an up-to-date listing of flood risks for your area

Flooding is the United States' #1 natural hazard.
We want consumers to know that while homeowner's insurance won't cover them against flooding, they can protect their home and property by purchasing a flood insurance policy separately through us--the flood insurance specialists.
Many people are under the misconception that they are ineligible for flood insurance because of where they live, or their mortgage status. But the truth is, as long as your hometown is an NFIP community, most homeowners, business owners and renters can get flood insurance. We urge consumers to remember the flood insurance basics:

You CAN get flood insurance nationwide.

  • You CAN get flood insurance nationwide.
  • You CAN get flood insurance if you live in a floodplain or high-flood-risk area.
  • You CAN get flood insurance if you live outside a floodplain, or a low-to-moderate flood-risk area - and at lower cost.
  • You CAN get flood insurance if your property has been flooded before.
  • You CAN get flood insurance from insurance agents in your area.
  • You CAN get flood insurance even if your mortgage broker doesn't require it.

---------------------------------

NFIP- National Flood Insurance Program aka FEMA flood insurance Program Changes as of January 1, 2013

NFIP previously announced average premium increases of 5% overall and 3% for Preferred Risk Policies as their annual premium change to the flood program. Those premium changes were covered in FEMA W-12027, summarized in Summer FloodLines and will be implemented as of October 1, 2012. Therefore, the premium increases below represent successive increases due to the passage of the Biggert Waters Flood Reform Act.

NFIP Extends PRP Extension Eligibility Beyond the Initial 2 Year Period

While FEMA completes a study and analysis to develop an implementation strategy for the Biggert-Waters Flood Insurance Reform Act of 2012, policies written as Preferred Risk Policies under the 2 Year PRP Eligibility Extension may continue to be renewed as PRPs beyond the previously designated 2-year period.

Under the initial 2-Year PRP Eligibility Extension, buildings newly mapped into a Special Flood Hazard Area (SFHA) on or after October 1, 2008, became eligible for the PRP for 2 years beginning on January 1, 2011. Buildings newly mapped into an SFHA on or after January 1, 2011, were also eligible for the PRP during the 2-year period following the map revision date. At the end of the 2-year period, the policies were required to be rewritten as standard-rated policies. For more information please review FEMA Bulletin W-10085 Aug. 23, 2010.

Beginning with the first renewal effective on or after January 1, 2013, policies issued under the PRP Eligibility Extension that meet the PRP loss history requirements will not be transitioned into standard X-zone rating, but will continue to be issued as PRPs at each renewal until further notice. Under the extension, new business PRPs may also continue to be issued for properties newly mapped into the SFHA as a result of a map revision that became effective on or after October 1, 2008.

NFIP Announces Jan. 1, 2013 Premium Increases for Preferred Risk Policies (PRP)

Premiums will increase an average of 13% for PRPs written or renewed on or after January 1, 2013. (The 3% increase as of October 1, 2012 and the average 10% increase as of Jan. 1, 2013 combined.) The combined premium for a particular policy may change more or less than the average 13% total PRP premium change. The PRP premium tables that become effective January 1, 2013, are included in the full FEMA bulletin linked below.

For more information and to view Jan. 1, 2013 PRP rate tables, please refer to the entire FEMA Bulletin W-12054 related to the January 1, 2013 changes.

NFIP Provides Premium Increase Rates for Non-Primary Residence Properties

Through the passage of HR 5740 authorizing the NFIP through July 31, 2012, the NFIP was directed for properties not the primary residence of an individual to discontinue premium subsidies and to increase the premium rates by 25% each year until the average risk premium rate equals the average risk premium rates for actuarially-based properties beginning on July 1, 2012.br>

The FEMA Bulletin 12043 includes the premium rate tables to accomplish this 25% increase as of Jan. 1, 2013 and further information for your use.

Fidelity renewal billings for policies renewing Jan. 1, 2013 or later, not indicated in our files as primary residence, and rated with subsidies will contain the required 25% increase as well as a statement to inform policyholders of the premium increase effective on that renewal billing. The statement will read similar to the following:

On May 31, 2012, HR 5740 was signed into law amending the National Flood Insurance Program. One provision of the new law states that residential properties that are not the policy holder's primary residence are no longer eligible to receive subsidized rates. Furthermore, the law requires that rates for these risks must increase by 25% each year until it reaches the appropriate actuarial rate level as determined by FEMA.

Flood insurance covers direct physical loss caused by "flood." In simple terms, a flood is an excess of water on land that is normally dry. Here's the official definition used by the National Flood Insurance Program.

A flood is (1) "A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from a. overflow of inland or tidal waters; b. unusual and rapid accumulation or runoff of surface waters from any source; or c. mudflow*. (2) Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in A.1.a. Above."

* Mudflow is defined (in part) as "A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water."




We offer a quick and easy quote for flood insurance.
Call us now about getting a flood insurance quote : 925-365-3200 or fill out our EZ online insurance quote form



Rogers Insurance Services, Inc.
Orlando Frasca, President
http://www.nobsfloodinsurance.com
(RISDirect.com)
156 Diablo Rd, # 210
Danville, Ca 94526
800-747-5311


State License #:

Arkansas: 100116064 | Arizona: 856688 | CA: 0C94234 | Colorado: 279339
Connecticut: 2450317 | Florida: L054138 | Illinois: 100345551
North Carolina: 1000109230 | New Jersey: 1123706 | New Mexico: 100012913
Nevada: 19300 | New York ( doing business as Royal Colonial Insurance) : BR1036521
Ohio: 41343 | Oregon: 100171064 | Pennsylvania: 601070
South Carolina: 180702 | Texas: 1616350 | Washington: 846460
Wisconsin: 2660029 | West Virginia: 100177705
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