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Things to Know About Your Florida Home and Flood Insurance

If you are new to Florida, welcome! The good news is you moved to Florida where the weather is bright and sunny 95% of the time. The bad news is, we get hurricanes and lots of rain that can cause flooding. FEMA has designated the entire state of Florida as a flood zone. If you live in Florida, you most likely live in a flood zone.

That may not seem important to you now but when it comes to insurance, it is critical that you understand what this means for you.

When you purchase homeowners insurance or condo insurance, it covers certain disasters involving water, such as pipe bursts. However, it does not cover floods. People in the path of super storm Sandy, Hurricane Katrina, or any other heavy rain event will tell you flood insurance is critical.

3 things to know about flood zones and flood insurance for a single family home:

  • Find your flood zone – Ask your flood insurance agent and your Florida public adjuster for assistance finding your flood zone. You need to know this to purchase flood insurance.
  • Insuring your entire property – You must have flood insurance that covers your entire property, including any recreational vehicles, boats or unattached buildings you own. Check with your flood insurance agent for details as this will require separate policies depending upon your current policy and what assets you own.
  • Flood insurance is federal – Flood insurance is a federal program. It is not related to your standard homeowners’ or condo insurance. Review your assets and flood zone to determine the level of coverage that is right for you.

Should you have a flood loss and need to file a claim, the experienced, licensed public adjusters at Advocate Claims will be happy to answer your questions and assist you.

For over 10 years, Advocate Claims public adjusters have been helping homeowners get the insurance claim settlements they deserve. If you have recently suffered damages, Advocate Claims can help. Contact our public adjusters today at 954-369-0573 to speak with a licensed public adjuster about the insurance claim process and what we can do to help.