Flood insurance in Florida typically covers damage to your property and belongings caused by flooding or rising water. This can include damage to your home’s structure, such as its foundation, walls, floors, and roof, as well as damage to your personal belongings, such as furniture, electronics, and clothing.
In addition to damage caused by flooding, flood insurance in Florida may also cover other related expenses, such as the cost of temporary housing while your home is being repaired, debris removal, and mold remediation.
It’s important to note that not all types of flooding are covered by flood insurance. For example, damage caused by water that enters your home through a leaky roof or broken pipe would typically be covered by homeowners insurance, not flood insurance. Additionally, flood insurance may not cover damage to structures that are not considered to be part of your primary residence, such as detached garages or sheds.
To put this into perspective Florida Loss Public Adjusters are currently dealing with a Hurricane Ian flood claim located in Sanibel, Florida. While the homeowners believed they would be entitled to their building and content coverage due to the flooding, this turned out to be the total opposite. With building coverage for $250k and content coverage for 100k, the client believed that everything was covered, however this was not the case when we examined their policy. Since they lived in such a high flood zone, and their house was on stilts, in order to get coverage for contents and the building the water had to have risen to the main floor of the home. And although their garage/ground floor basement was totally built out, the carrier provided very little coverage because this is not considered the main floor.
While we continue to fight for our client in Sanibel, it is very important to know what you are covered for under your flood policy. Next time you renew your policy it is very important to review your flood policy with your agent to get a good idea of your coverage for when disaster strikes.
If you are looking to file a flood claim, or have questions in regards to your claim, please feel free to contact Florida Loss Public Adjusters for assistance. We have handled thousands of claims across Florida since 2004.
Call now for a FREE consultation