Living in Destin, Florida leaves your home particularly vulnerable to flooding. This is due not only to hurricane risk but also due to frequent heavy rains as well. Fortunately, you can protect your home from flooding by taking out a flood insurance policy.
What you might be questioning, though, is how to choose a flood insurance provider. How do you pick between options for flood insurance providers?
Find Suitable Candidates
You should start your search by finding suitable candidates. Once you’ve found these candidates, you can compare them against one another and choose the one that suits your situation best.
Harris Insurance is your one stop shop for all different types of insurances. You are able to request a quote from us to get all flood options shopped and compared for in just one request.
Give Them a Call
If you have a short list of suitable candidates, you should call each candidate up and ask them questions. This will help you gauge their customer service capabilities. It will also enable you to learn important information about each provider.
When talking on the phone, assess the representative’s tone. Are they inviting? Do they answer your questions without resistance? Are they friendly?
Do they seem knowledgeable about flood insurance? Are they being transparent in their relaying of information?
Or are they short with you? Do they seem to be withholding info? Do they struggle to give you a straight answer?
Assess Their Reputation
When it comes to choosing an insurance provider, reputation means a great deal. If the provider has a bad or even less-than-stellar reputation, there’s likely a good reason for that. Such a reputation isn’t created by a single bad customer experience; it’s created by a series of bad customer experiences.
Conversely, when a provider has a good reputation, it’s because, by and large, it comes through for its clients. It not only honors honest flood claims but also pays out compensation in a timely and practical manner.
Harris Insurance has a great reputation with great reviews. Check out what others have to say here.
Ask About Costs
Different insurance providers charge different premium rates for different levels of coverage. Therefore, if you want to save as much money on flood insurance as possible, you need to compare the rates of different providers.
When comparing insurance costs, make sure to also assess factors such as deductibles and coverage maximums. The price of the premium alone is only one part of the equation. Just because you’re paying the lowest premium doesn’t mean you’re going to pay the least amount of money over time, especially in the event of flood damage.
Read Up on Terms and Conditions
Before finalizing your choice, you need to read up on insurance terms and conditions. While there are plenty of reputable insurance companies that will do right by you, there are also a number of unscrupulous insurance providers out there who will try every dirty trick in the book to deny your claim.
In many cases, they’ll facilitate these tricks proactively, hiding compromising language in the terms and conditions of their customers’ contracts. This way, when the customer goes to file a claim, the provider will be able to deny it based on shaky grounds.
For instance, there might be language in the contract specifying that items stored in the basement aren’t covered. Or, there might be language indicating that only a small percentage of the total damages are covered.
This information is not always highlighted in the terms and conditions. As such, it’s vital that you read carefully and ensure what you’re getting yourself into.
Choosing a Flood Insurance Provider in Destin
Follow these steps carefully and you’re sure to find the right Destin flood insurance provider for your purposes. Harris Insurance has got it all!
Searching for a flood insurance provider in Florida? Harris Insurance has you covered. Located in Fort Walton Beach, we offer a wide range of flood insurance options.
Contact us now to get a quote and discuss your flood insurance needs!
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.
