Floods, More Floods & How We Can Help!
Flooding is a significant risk in Florida, especially in coastal areas and low-lying regions. Florida’s geography, with its numerous ocean access, rivers, lakes, and coastal zones, makes it particularly vulnerable to flooding. While we may not realize it, our homes and other properties could be in a flood zone, which is an area which can be flooded with some quick and heavy rain. We take this seriously and that’s why we are going to talk about all the flood-related topics and how we can help you!
Geographic Areas Susceptible to Floods:
In Florida, coastal areas and flat, perhaps even under-seawater regions are particularly susceptible to flooding. The biggest culprit is rain. Whether it is light and prolonged, heavy and quick, or even days of moderate downpours, there is always a way for the water to stay! It can get really bad when roads are inaccessible or homes have many feet of water within them!
Insurance with Flooding:
Standard homeowner’s insurance policies do not cover flooding, so it’s important for Florida residents to purchase separate flood insurance policies to protect their homes and property.
The National Flood Insurance Program (NFIP) is a federal program that provides flood insurance to homeowners and renters in participating communities.
Private insurance companies may also offer flood insurance policies.
Florida Flood Protection:
Florida has implemented several measures to protect against flooding, including the construction of levees, floodwalls, and drainage systems. In addition, the state has implemented building codes and land-use regulations to help minimize flood damage.
Damage Caused by Flooding:
Flooding can cause significant damage to homes and property. It can lead to structural damage, mold growth, and damage to electrical and plumbing systems. In severe cases, flooding can even lead to a home being declared uninhabitable.
Preparing for Floods:
There are several steps homeowners can take to prepare for floods, including:
- Elevating their homes or moving important belongings to higher ground
- Ensuring their sump pump is working properly
- Securing their property and removing potential debris
- Creating an emergency kit and evacuation plan
Taking Care of Floods:
After a flood, it’s important to act quickly to minimize damage and prevent mold growth. Homeowners should:
- Remove any standing water as soon as possible
- Dry out their home and belongings thoroughly
- Clean and disinfect all affected areas
- Work with a licensed professional to make any necessary repairs
Insurance Coverage for Flood Damage:
Flood insurance policies typically cover damage to a home’s structure and contents caused by flooding. However, it’s important for homeowners to carefully review their policies and understand what is and isn’t covered. Flood insurance policies may have coverage limits, deductibles, and exclusions.
Benefits of Proper Flood Insurance:
Having proper flood insurance can provide peace of mind for Florida residents living in coastal areas or other flood-prone regions. In the event of a flood, insurance can help cover the cost of repairs and replacement of damaged belongings. Without insurance, homeowners may face significant financial burdens and may not be able to fully recover from a flood.
We would like to help you fight against flooding! Regardless of which policy you select for your family, business or even a bundled policy plan, having a flood coverage policy is better than none!
We also point you to our own Ask an Expert segment about Flood Insurance.
Call us at 850.244.2111 or email at service@harrisinsurance.com if you need additional insurance information
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
