Florida flood insurance is crucial as most homeowners policies do not provide flood coverage. Some individuals don’t believe they need this type of insurance in Florida because federal disaster assistance will cover any damage. Be advised that floods are not always a disaster and can be a result of broken sewer lines or a rainstorm.
Flood insurance costs will pay for all covered losses, and unlike federal assistance loans, the money doesn’t have to be paid back. Don’t wait for insurance rates to move as an impending disaster nears. There is a 30 day waiting period before a this type of insurance policy becomes effective. Our agents will help you determine how much coverage you may need. They will guide you according to a flood rate insurance map as determined by FEMA.
Contact our insurance specialists today for coverage and guidance. Call us at 239-591-0963 (Naples office) or 239-931-5316 (Ft. Myers office.)