do i need flood insurance for my home?

Picture this: you've just purchased your dream home. It has every feature you could think of, the flooring you've always wanted, gorgeous cabinets and fixtures. You fill this house with furniture that fits the space perfectly, and you begin to make this house your home. 

The next hurricane season, your home is in the line of a big storm. You may have purchased hurricane protection for your home, so you secure the home and evacuate. When you return, your home has been flooded. Your beautiful furniture is now waterlogged, possessions destroyed. Your floors damaged, drywall soaked, baseboards ruined. You remember you purchased homeowners insurance, and call to file a claim. 

And then you're told that you have coverage for hurricanes, but this does not include coverage for flooding. That would be covered under a separate policy. There is no coverage for this loss. An inch of water causes roughly $25,000 in damage. You're overwhelmed and to add insult to injury, you're not covered. 

That is the reality many face after a devastating storm. Flooding is one of the few perils that is specifically excluded from most homeowners insurance policies in Florida. In order for your home to be properly protected, this is a separate policy that specifically covers flood damage. 

If you're located in a mild flood hazard area, flood insurance is more affordable than you think! Increased private food markets have dropped flood insurance premiums and oftentimes offer significantly better coverage than the National Flood Insurance Program. If you're in a moderate to high flood hazard area, obtaining an elevation certificate can often decrease the premium significantly! 

Don't let your home go unprotected. Let's start the conversation about properly and fully protecting your home from the most prevalent natural disaster in the United States. Give us a call today and see how affordable flood insurance can be!