Home Insurance Hurricane SeasonJune 1st kicked off another Hurricane Season here in Florida and judging by how crazy the weather has been already this year, it would be a good idea to make sure you are prepared for anything. Flood insurance doesn’t just cover a tidal surge, but also rising water. It is often thought that a home will never flood because there is a great drainage system nearby or that the home is the highest point on the street. While this sounds like great reasoning on the surface, keep in mind that the unexpected is normally what causes most claims.

Drainage ditches back up at times because large amounts of rain cause debris to float away from their former resting spot and gather together at the mouth of the drain. This make shift damn then causes water to pool where no one has ever seen water gather before. Remember that one inch of water in your home will ruin everything touching the floor, not to mention mold and mildew damage that can arise later.

Here is some information taken directly from the National Flood Insurance Program’s website.  Please visit the Floodsmart.gov for more information about flood insurance.

Flood Insurance Coverage:

Flood insurance policies cover physical damage to your property and possessions. You can use the following list as a general guide to what is and isn’t covered or simply refer to the Summary of Coverage (PDF 108K) to help you better understand your policy and coverage.

Building Property

  • The insured building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages (up to 10 percent of Building Property coverage) Detached buildings (other than garages) require a separate Building Property policy
  • Debris removal


Personal Contents Property

  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets that are not included in building coverage
  • Clothing washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)


What’s Not Covered:

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
  • Currency, precious metals, and valuable papers such as stock certificates
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
  • Living expenses such as temporary housing
  • Financial losses caused by business interruption or loss of use of insured property
  • Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)


Flood Insurance FloridaFlood Insurance for Basements and Areas Below the Lowest Elevated Floor

Coverage is limited in basements regardless of zone or date of construction. It’s also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction. These areas include:

  • Basements
  • Crawlspaces under an elevated building
  • Enclosed areas beneath buildings elevated on full-story foundation walls that are sometimes referred to as “walkout basements”
  • Enclosed areas under other types of elevated buildings


*Talk to one of our agents to learn more about home insurance discounts.