Wenrick Insurance has proudly sold flood insurance through NFIP for many years. To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. The NFIP is administered by the Federal Emergency Management Agency (FEMA). The overwhelming majority of flood insurance policies across the US-including in Florida-are sold under the National Flood Insurance Program (NFIP). Where Can I Buy Flood Insurance In Florida? It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.
In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes: However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. What kinds of events are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowners insurance policy. If you answered, “Yes, this event should be covered under my home insurance policy” (or something similar), you’re correct. If a pipe in your home busted and flooded your floor, would it be considered a “flooding event” and thus, not reimbursed by your homeowner’s policy? Or would it be covered? How Does Typical Home Insurance Define ‘Flooding? For coastal residents and others who live in flood-prone areas, proper flood coverage isn’t optional-it’s an absolute must. This fact puts residents along or near Florida’s Gulf Coast in a difficult position.
0 kommentar(er)
