Everyone is at Risk

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Everyone is at Risk

The majority of floods are caused by small, localized events, such as a typical afternoon thunderstorm. Everyone lives in a flood zone. The average flood loss is $48,000. It is important to remember that just a few inches of water in a home can cause thousands of dollars of damage.

Your homeowner's insurance won't cover damage caused by flooding. You can protect your home and property by purchasing a separate flood insurance policy. Many people are under the misconception that they are ineligible or don't need flood insurance because of where they live. 20 to 25 percent of all flood insurance claims are filed in low- to moderate-risk areas. If your home or business is in a low risk area for flooding, a flood insurance policy can be very affordable. Flood insurance is also available to renters.

There is a 30 day waiting perior for a Flood Insurance Policy to go into effect. Learn more about your coverage options by calling our office today.



Florida is not unique when it comes to flooding. Flooding happens every day in all regions of the country. The Northeast can be affected by remnants of tropical disturbances in the summer, but are also threatened by winter flooding, nor'easters, and the threat of rapid spring melts. The Midwest experiences major river flooding - illustrated by the catastrophic floods of 1993 and 2008.

Many consumers in Florida think that flooding related to hurricanes and other tropical disturbances are limited to coastal areas. However, some of the most damaging flooding can happen well inland and days after a storm makes its initial landfall. In 2007, Ohio, which has no ocean coastline, received more than $44 million in flood insurance payments. Tropical Storm Debby recently brought flooding to inland homes and business in Lecanto and Ocala.

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