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Commercial Flood Insurance

With roots on the Massachusetts coast, our team knows a thing or two about flood insurance.

Flood insurance is complicated and more than half of all written flood policies are wrong. Is yours?

The average business owners policy will not protect you from losses caused by flood waters. These policies can protect you against other types of naturally occurring damages like fire or lightning. A commercial flood insurance policy can protect your business against a range of environmental threats. Overflowing water from nearby streams or rivers can prove damaging to a property, particularly after a period of prolonged rainfall. Additionally, heavy rain can create storm drain blockages, or even breaks in dams or levees. A commercial flood insurance policy can protect your business against these perils, among others.

Flood Compliance Services

Letter of Map Amendment (LOMA)

A Letter of Map Amendment or LOMA is an official amendment, by letter, to an effective National Flood Insurance Program (NFIP) map. A LOMA can result in the removal or reclassification of a property from a flood zone and the elimination of the requirement to carry flood insurance.

Flood Audits

The Residential Property Flood Audit consists of an in-depth review of existing policies, historical mapping, elevation certificates, and more. The Flood Audit includes a comprehensive report to the

Custom Consulting

RogersGray’s Flood Specialist; Joe Rossi, ANFI, CFM, is available to provide additional Flood Insurance consulting on a situational basis, including: Flood loss history reports and review of a building’s flood plain; Assistance in complex FEMA and NFIP issues; Building compliance site visits.


Nationally recognized expertise.

Joe Rossi, ANFI, CFM

Rossi is a nationally recognized flood specialist. Joining RogersGray in 2017, Rossi provides a vast depth and understanding of coastal flood issues and legislation.

He has acquired his associate of national flood insurance (ANFI) and the certified floodplain manager (CFM) certification in 2016, one of the highest certifications in the flood insurance industry.

Rossi is a member of the board of directors for the National Flood Determination Association, a trade organization for producers of flood zone determinations.

Complete Credentials & Boards 

  • Chair and Executive Director, Massachusetts Coastal Coalition
  • Chair, National Flood Association Legislative Committee
  • Board Member, Independent Insurance Agents and Brokers Flood Insurance Task Force
  • Board Member, Massachusetts Floodplain Managers Association
  • Chair, Marshfield Community Rating System Committee
  • Member, Association of State Floodplain Managers 

Advice from Joe: Seasonal Flooding


In Massachusetts, your flood insurance policy could end up protecting your business from unfortunate losses come Spring time. We’ve all seen the huge messes melting snow can bring when weather lightens up. When the runoff from snow and ice melting seeps into the basement of a commercial property, you can be sure it’ll wreak some havoc.


Unfortunately, this type of water damage could be considered “flooding” and probably wouldn’t be covered by a BOP. This is where a flood insurance policy can make all the difference. Commercial Flood insurance can typically provide up to $500,000 worth of coverage for your property itself and up to an additional $500,000 for the interior contents. This means that not only is your business itself protected, but any products or equipment inside will be too. 

Work With Us

Interested in learning more about our commercial flood insurance consulting services? Fill out the form to get in touch!

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Contact Us

434 Route 134
South Dennis, MA 02660

Phone: 508-619-4545

Fax: 877-816-2156

24 Hour Emergency Claims Center:



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