Many homeowners forget that homeowners policies do not include flood insurance coverage, which is available as a separate policy.
Floods happen in every state including Florida. Your independent insurance agent can help you purchase a flood policy, but be sure not to wait! Unlike home insurance, flood insurance policies do not take effect until 30 days after purchase. Even if you don’t live in a high-risk flood zone, hurricanes and heavy rains can cause flash flooding. Just one inch of water in your home can cause serious AND costly damage. Be smart about flood insurance. Contact your insurance agent or visit FloodSmart.gov today!