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Don't Overlook the Importance of Flood Insurance

Wed, Jun 20, 2018 at 9:50AM

Don't Overlook the Importance of Flood Insurance

Mother Nature is unpredictable. Even if you don’t live in an area prone to flooding, the weather can change in an instant, forcing you to deal with a potentially-catastrophic scenario.

For instance, researchers estimate insurance losses from Hurricane Irma at nearly $9 billion, according to data collected by the Florida Office of Insurance Regulation. Many of these claims were flood-related. That demonstrates that flooding can and does occur in the Sunshine State.

Despite such information, many home and business owners still turn a blind eye to this integral safeguard. Avoid that mentality and get covered by following this advice.

Start the Process Early

There’s a saying that the best time to prepare for an impending storm is while the sun is still shining. Especially when it comes to flood insurance, allowing yourself ample time to secure coverage is essential. The reality is that once a storm strikes or unexpected incident occurs, it could be too late.

Many policies take up to 30 days to go into effect. Incidents that occur outside of this time frame might not be covered. In addition (and contrary to popular belief) floods are a common occurrence even outside “flood zones.” In fact, FEMA representatives estimate up to 20 percent of claims come from areas outside their flood map.

That’s why it’s wise to meet with an agent from a trusted and reputable insurance firm, who can help you determine and secure comprehensive coverage for your home and/or business.

Don’t Assume You’re Covered

There are many rumors about flood insurance, one of which is that it’s included in most homeowners’ policies. The truth is directly counter to that assumption. Not knowing the facts could result in costly cleanup and unnecessary losses.

By contrast, when you work with a friendly and knowledgeable insurance agent well versed in flood insurance, you can rest assured that your property is covered against a variety of threats. Eliminating the guesswork in this regard gives you peace of mind, and also protects you against potential disaster.

Reach Out for Assistance

Some home and business owners find insurance coverage confusing and overwhelming. In frustration, many people simply move on to other things. However, ignoring essential safeguards can be costly and life-altering. That’s why it’s best to speak with a personable and reliable insurance agent who can help address all your insurance questions and requirements.

Since 2002, we’ve helped countless Central Florida residents with a variety of insurance scenarios. From flood insurance, to homeowners, automobile, business and commercial, and more, we have options to protect you across the spectrum. Contact us today to learn how easy and affordable it is to find the best flood insurance plan for your unique situation.


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