Floods can occur at any time, and with arrival of Spring, the chances of rain are increased. Flooding is completely unpredictable and can cause billions in damages. You do not have to live in a flood zone to experience flooding. In fact, 20 percent of all flood claims are filed from homes located outside a high-risk flood zone, according to floodsmart.gov. The safety of your family and the protection of your home should be your priority in the event a flood occurs. Therefore, it is essential you and your family have a flood preparedness plan in place. Here are three reasons why you need to have a flood preparedness plan:
Floods can occur at anytime and anywhere
Although “April showers may bring May flowers”, flooding can occur at any time of the year. Flooding can occur for several reasons, including storm surge from hurricanes and tropical storms, river overflow, or heavy rainfall. It can only take one heavy rainfall to cause serious damage to your home. Just an inch of flood water can cause thousands in damages to your home and possessions.
As we have seen over the past few seasons, Hurricanes can cause devastating flood damage resulting in billions of dollars in residential flood losses. Large waves and storm surge produced from hurricanes and tropical storms are a great threat to property, especially along the coast. With hurricane season fast approaching, now is the best time to establish your flood preparedness plan.
You do not have to live in a high-risk zone to experience flood damage
Although you’re home has yet to experience a flood, this does not mean it never will. Just one heavy rainfall can produce flooding in lower risk zones. Although we may live in the “Sunshine State”, Florida is especially prone to experiencing floods. Do you know your home’s flood risk? If not, you should contact your agent, or use FEMA’s Flood Map Service.
These are just three reasons why you need to have a flood preparedness plan for your family and home. For flood preparation tips, click here.
Remember, flood coverage is not included in a standard homeowners insurance policy. It is important you have the proper coverage should a flood occur. Contact your agent to be sure you are covered. Florida Peninsula Insurance Company offers a certified flood endorsement to qualifying policyholders, which eliminates the need for a standalone flood insurance policy. To learn more about obtaining Flood coverage from Florida Peninsula, click here.
As one of Florida's top homeowners insurance companies, our number one priority is the safety of you and your family. As such, Florida Peninsula provides our policyholders with robust coverage options, as well as offering flood protection and partnering with local insurance professionals throughout the state who can ensure you have the coverages you need. If you are in the market for a homeowners insurance quote, give us a call at (877) 229-2244 or get a quote on our website.
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