Florida Flood Insurance

Florida Flood Insurance – A flood insurance policy that covers a dwelling for losses sustained by water damage, as it specifically relates to flooding.  A Flood Insurance Policy is important to your home or business. A separate coverage rider is needed to cover sewer backup if the rising floodwaters did not cause the backup.

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BREAKING DOWN Flood Insurance
A Flood Insurance Policy is different than a basic hazard insurance or homeowners insurance policy, as it only covers losses that occur due to flooding. Standard homeowner’s insurance policies will cover most other losses as long as they are unrelated to flooding. These claimable events include losses sustained by fire, wind damage, and falling trees, to name a few. Unlike a standard hazard policy, flood insurance requires a policyholder to buy separate policies to cover a dwelling and its contents.
Coverage Details
A Flood insurance policy is available for all homes and commercial properties, not just those determined to be in the National Flood Insurance Program’s (NFIP) flood plain. However, properties located in a flood zone and mortgaged by a federally backed lender will require adequate flood insurance coverage to receive financing. The NFIP regulates the pricing of flood insurance policies, and the cost will not differ between agents. Factors such as the zone designation, age of the property, and number of floors can impact premium pricing.

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