Flood Zone “A or V” Or Preferred Zone “X”, we write Residential and Commercial Flood Insurance in Florida

FEMA’s disaster grant program is not a substitute for insurance and cannot compensate for all losses caused by a disaster. BE PREPARED!

Flood Insurance Florida

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Flood Insurance is more likely to be claimed as property damage than a fire in the State of Florida. According to FEMA, Damage and Destruction caused by Flood is the Nation’s Top Natural Disaster. Standard homeowners insurance policy does not cover property loss caused by flooding or so-called rising water. You must have Flood Insurance Florida policy, Underwriting by the National Flood Insurance Program. The Flood Insurance Policy has a maximum limit available for residential properties up to $250,000, and for commercial properties up to $500,000. For additional Excess Flood over and above the standard limits,  we can get you covered up to $3,000,000 policy limit.

If your community participates in the flood management program, you should be eligible to buy Flood Insurance coverage by calling Us today at (954) 454-9599. Flood insurance coverage is available to high-rise residential condominium association building.

Check with FEMA Flood Map Service if your property located in the Flood Zone by Clicking the Link Below

———— https://msc.fema.gov/portal/search ————

What are the Perils covered under Flood Insurance Policy?

A general or temporary condition of partial or complete accumulation of two or more acres of normally dry land area, or of two or more properties, at least one of which is yours, by:

  • Collapse or subsidence of land – along the shore of a lake, or similar body of water as a result of erosion or undermining, caused by waves or currents of water exceeding anticipated cyclical levels.
  • Rising Water – unusual & rapid accumulation of runoff or surface waters from any source, Hurricane, overflow of inland or tidal waters.
  • Mudflow – defined as a river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a flow of water.

Flooding is the most widespread natural disaster. According to the National Flood Insurance Program, two adjacent properties have to be underwater to call the situation a flood. In a rural area, at least 2 acres must be submerged.

What does Commercial Flood Policy Cover?

  • Commercial Building –  as a business owner, it is vital to protect your commercial building against damages caused by Flood. Flood Insurance policy has a maximum limit of $500,000 – Excess Flood is available upon request.
  • Contents – covers all business personal property such as equipment and inventories up to $500,000 policy limits.

How much it cost to get a Flood Insurance Florida Policy?

Florida has significant flood concern from tropical storms and hurricanes. Find out today how much it cost you to insure your Home or business property with a flood insurance policy in Florida. Please fill out a quote request form today, to receive free insurance quotes. Or feel free to call us now at (954) 454-9599 or toll-free at (866) 454-9555. We are here to help you.