Flood Insurance

Florida offers unique challenges as we face the possibility of a hurricane striking our state. Flood damage or damage from rising water is not covered in your homeowners or business policies. In order to have this very important protection, you must carry Flood insurance.

So, what are some of the items Flood insurance could cover on your home?

Your home and its foundation
Electrical and plumbing
HVAC equipment
Kitchen equipment
Permanently installed carpets over unfinished floor
Detached garages (limited to 10% of your home policy value)
Water Heater
Debris removal

In addition, a flood policy may cover items like:

Clothing
Furniture
Electronic equipment
Window A/C units
Portable Microwaves and dishwashers
Carpets
Washer/Dryers
Freezer and Frozen foods

Claims on personal property are paid at Actual Cash Value.

What are some of the items not covered under a flood policy?

Cash, precious metals & stock certificates
Trees
Plants
Wells
Septic systems
Walkways
Decks
Patios
Fences
Hot tubs
Swimming pools
Cars

Every person is unique – talk to us today to find out how to get the best value on flood insurance for you.

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