Flood Insurance
If you live where it rains, you need flood insurance.
Many people wait to think about flooding until it's too late. Flood insurance is a must-have for Florida homeowners.
It's a common mistake to assume renters or homeowners insurance covers flood damage — very often it does not. Floridians are especially susceptible to frequent storms and flooding, so it's extremely important to be covered against uncontrolled flooding.
Coverages
Building Coverage
Protects the physical structure of your home and pays for repairs resulting from a flood.
Contents Coverage
Protects the actual contents of your home — pays to repair or replace belongings damaged by a flood.
Flood options with The Insurance Ladies
NFIP
The National Flood Insurance Program was long the only source for flood insurance. Its limitations include a $250,000 replacement-cost cap, no loss-of-use coverage, limited other-structures coverage, 30-day waiting periods, and costly elevation-certificate requirements.
Private flood products
Recently more private flood products have become available — options are a good thing, and we help you compare them.
What flood insurance does not cover
Damage from leakage, seepage, or other water damage not caused by a flood is not covered. Even if wind-driven rain causes the damage, you cannot file a flood claim for it.
Frequently asked questions
Is flood insurance required in Florida?+
It is often required by lenders in high-risk zones, and strongly recommended everywhere in Florida given the frequency of storms — homeowners and renters policies do not cover flood damage.
What does flood insurance cover?+
Two parts: building coverage (the physical structure) and contents coverage (your belongings). Both pay for flood-caused repairs or replacement.
What isn't covered by flood insurance?+
Damage from leaks, seepage, or other non-flood water isn't covered. Even wind-driven rain damage cannot be claimed under flood insurance.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.