Posted on 4/1/2020 12:00 AM By Florida Peninsula Insurance Company
Updated: April 1, 2020
Flooding is the most common and most costly natural disaster in the United States. Floods can occur for several reasons including storm surge from tropical storms and hurricanes, river overflow, or even heavy rainfall. Every home is at some risk of experiencing flood damage, and surprisingly, only a small percentage of homes are covered by flood insurance.
What is Flood Insurance?
Many homeowners believe their home insurance policy covers flood damage; however, a standard home insurance policy does not cover damages caused by floods. A separate flood insurance policy is needed to protect your home and possessions should they be damaged from rising water.
You do not need to live in a flood zone to experience flood damage. In fact, FEMA reports roughly 25% of all flood claims come from moderate to low-risk areas and living in Florida, you are at a greater risk to experience flood damage.
If you live in Florida, you need flood insurance. ...
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