Flood Insurance in Florida

Making sure your home is sufficiently insured is an essential part of protecting the investment you have made in your home. At Abney Insurance, serving Oakland, FL, and the surrounding areas, we make it our mission to educate clients on essential insurance topics so they can make informed insurance choices. Keep reading to learn more about flood insurance.

Do I Need Flood Insurance?

Most homeowners assume that, because they have home owner's insurance, they also have flood coverage. The truth is, most home owner's policies do not include flood coverage. If you want flood coverage for your home, you will need to have this added as an additional type of coverage.

Why Is Flood Insurance Not Included in My Home Policy?

Flood risks are difficult to estimate as flooding varies drastically from one part of the country to another. It can even go from one part of a state to another. Flood risks need to be evaluated on a very individual basis to create the appropriate insurance coverage.

How Is Coverage Estimated?

If you need flood insurance, you should sit down with an insurance professional. They will be able to evaluate your home's risk of flooding. Your flood risks will be based on the history of flooding in the area and the projected dangers of flooding. They will also be able to evaluate the value of your home to create an insurance policy that will work well for your family.

Natural Disaster Flooding Vs. Other Types

It is important to remember that there are different types of flooding. Flooding resulting from a natural disaster is not covered the same way as flooding, which may occur within your home due to faulty plumbing or appliances. Be sure to discuss these differences with an insurance representative. The more you know, the better choices you can make concerning insurance.

If you want to learn more, don't hesitate to contact us at Abney Insurance, serving Oakland, FL, and the surrounding areas in Florida.