Many homeowners and condo renters in Kissimmee, FL do not know that their homeowners, renters or condo insurance does not cover floods. This universal natural disaster can occur anywhere in Florida, according to the Federal Emergency Management Agency (FEMA). That is to mean that your home is never completely safe from floods even if it has not been marked as a flood zoned area.
At Familia Insurance agency, we recommend all homeowners and condo renters to buy flood insurance to protect your valuables. Damage by floods can completely render you homeless and rebuilding from scratch may take quite some time.
Why you need flood insurance
It takes only one inch of water to cause damages worth $25,000 in your home based on a report from FEMA. You may live thousands of miles from the flood zones, or your area may be low risk, but that does not mean that there aren’t any risks. In fact, about 20 percent of flood insurance claims typically come from homes and properties outside high risk. So, as much as high-risk areas need flood insurance so are low-risk areas.
Estimations may go wrong
Well, the sad truth is that floods can happen anywhere. Every now and then maps do change, which means that your area won’t be a low risk forever. Weather patterns are also unpredictable. We have seen meteorologists fail terribly in giving accurate weather results. Therefore, instead of panicking searching how far floods can get, your nearest insurance agency can help you get a policy.
Whenever there is rain, there is always a possibility of floods. Keep in mind that there is a 30-day waiting period for your insurance policy to take effect. You don’t want to risk and wait 30 days. Let Familia Insurance Agency in Kissimmee, FL help with all the info you need to get a suitable package for flood insurance.