SERVICES
Flood Insurance
Standard homeowners insurance does not cover floods. If you live near water—or anywhere in Florida—flood insurance is the only way to protect your home and belongings from rising water.
Flood damage is not covered by standard homeowners or renters insurance. When the term “flood” is used in insurance, it refers specifically to a natural disaster affecting multiple properties or a large area—not a burst pipe or an overflowing sink.
If you live in an official flood-zone,
you are eligible for flood insurance. But even properties outside high-risk areas can and do flood. In Florida, heavy rains, tropical storms, and hurricanes can overwhelm drainage systems and cause water damage anywhere.
What flood insurance covers:
- Structural repairs and rebuilding of your home
- Damage to electrical, plumbing, and HVAC systems
- Furnaces, water heaters, and built-in appliances
- Personal belongings (with separate contents coverage)
- Mold and mildew cleanup directly caused by the flood
To file a claim, the event must be declared an official flood by a recognized weather authority. Damage must be directly linked to that event.
Don’t wait until the water rises.
Flood insurance requires a 30-day waiting period before taking effect. The time to get covered is now.
Check Your Flood Risk — Get Covered
Function
The insurance company should know which areas are flood areas. They will determine if your home is in one of these areas. Homes near the sea, lakes, rivers and other bodies of water are generally considered high risk. Before you can file a claim, there must be an official flood as announced by a national weather association.
Coverage
This insurance helps you financially in your effort to recover from damages caused by water. Any damage must be proven to be the result of the flood. Mold and mildew can develop after a flood, and this coverage will often pay for their removal. The personal items within the flooded home are also insurable.
Benefits
If you own property in a flood zone, then you should have flood insurance. It’s the best way to protect your investment in your property. Floods can cause serious damage. This coverage will help you with expenses.
