Florida Flood and Wind Insurance
Typically, Florida homeowners’ policies exclude flood damage (rising water). Depending on your home’s location, however, you may qualify for flood insurance through the National Flood Insurance Program. You also may qualify for a discount if you include an elevation certificate with your application. Some homes located in special flood zones actually require an elevation certificate. The coverage may involve a 30-day waiting period before the policy becomes effective; unless flood coverage is purchased at the same time you buy your home or required by your lender.
Please note: every home is in a flood zone, some may just be more high risk than others. Preferred Risk flood insurance can be purchased for under $350 a year and provide valuable coverage that is excluded from your home insurance policy! It is a small price to pay for peace of mind.
Contact Scarr Insurance Group for all of your Florida Flood and Wind Insurance needs!
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