At Pro America Insurance in Naples, FL, we know that flood insurance is an important part of protecting your investment in your home. Most homeowner’s policies do not cover floods, so a separate flood policy is needed.
Do I Really Need Flood Insurance?
Many homeowners question if they really need flood insurance. Even if you don’t live near a body of water, you need flood insurance. Floods are the most common natural disaster in the U.S. Your home is more likely to be damaged by a flood than by fire.
Will Damages be Covered Through Federal Disaster Assistance?
If a federal disaster is declared, the government may pay for the damages to your home. However, only 10% of disasters are declared as federal natural disasters. Even if government assistance is provided, it is a loan that must be paid back. Flood insurance covers the damages regardless of a disaster being declared.
What if Other Areas Were Damaged?
If other areas of your home were damaged that weren’t directly due to the flood, you will need to file a separate claim on your homeowner’s insurance. For example, a strong storm causes your home to flood and damages your roof. You’ll need to file a flood claim and homeowner’s claim.
What is Covered Under Food Insurance?
Most policies cover direct physical damages and flood-related damage due to erosion. The structure of your home and basement are covered. Essential equipment that is normally found in the basement is covered as well. However, personal belongings stored in the basement or lower level of your home are not normally covered.
If you need flood insurance, contact Pro America Insurance in Naples, FL. We can answer any questions you have about flood insurance and help you choose the policy that best suits your needs.