Residents and tenants of Naples, FL, face flood risks from heavy rain, storm surges, coastal flooding, drainage issues, and even rising water. Standard home insurance usually does not cover flood damage, which makes a separate flood insurance policy important for most property owners and investors. At Pro America Insurance, we specialize in assisting clients with finding the right flood insurance policies throughout the region and beyond.

What Flood Insurance Covers

Most traditional flood insurance policies can help by covering the structure of your building and contents within it. Building coverage can help pay for damage to the structure, foundation, electrical systems, plumbing systems, HVAC equipment, water heaters, built-in appliances, cabinets, and even attached fixtures in your home.

Contents coverage can protect personal belongings, such as furniture, electronics, jewelry, clothing, rugs, washers, dryers, and even portable appliances. Coverage will depend on your policy, limits, deductibles, and whether contents coverage is also included.

What Flood Insurance Does Not Cover

Flood insurance does not cover every type of water damage or property loss. Common exclusions may include:

• Moisture, mold, or mildew (that may have been preventable)
• Sewer backup (unless it is caused by flooding)
• Landscaping, patios, fences, decks, and pools
• Vehicles
• Currency, valuable papers, and precious metals
• Business interruption losses
• Temporary housing and/or additional living expenses
• Property outside the insured building

Basements and enclosed areas below the lowest elevated floor may also have limited coverage.

Knowing what flood insurance covers and what it does not is a way to protect your peace of mind anytime you’re investing in a property in Naples, FL. If you’re interested in learning more about your options, we can help. At Pro America Insurance, we’re here to guide you through the process of selecting a flood insurance policy that offers maximum protection when you need it most.