Many Floridians believe that their homeowners’ insurance will protect them against all kinds of water damage. This mistake has cost families a lot of money in repairs when rising water from outside damages their home, their furniture, appliances and other belongings. At this point, it’s too late. A Florida public adjuster will only be able to explain that they should have had the optional flood insurance policy to claim any damages.
Our goal is to help homeowners recover damages. Thus, in this article we will explain what you need to know about flood insurance policy.
Do You Really Need a Flood Insurance Policy?
The Sunshine State is also one of the most hurricane prone states in the US. Statistical data from the Florida Climate Center indicate that five Category 3 and Category 4 storms have swept over our state in the last 16 years. As any Florida public adjuster will tell you, these are storms that cause catastrophic damage to the landscape and buildings.
With such a high risk at our doorstep, a flood insurance policy is a must-have for any family. You need the assurance that you will be able to repair or rebuild your home after a disaster. In the unfortunate event that nature strikes, having your policy include flood insurance is the basic first step. Next, contacting an experienced Florida public adjuster will help you better negotiate your claim and maximize your recovery.
Items Covered by the Flood Insurance Policy
Let us now discuss the flood insurance policy in detail. What type of protection does it actually offer? As we have explained at the beginning of this article, the event covered is water coming from outside your home.
As for the specific damaged items included in the policy, these are:
- The foundation and structure of your home
- Plumbing and electrical wiring
- HVAC systems (A/C unit, furnace)
- Water heaters
- Major appliances: refrigerators, cooking stoves, other built-in appliances
However, a Florida public adjuster knows that insurers put caps on the amount reimbursed for various categories of items. For instance, artwork and furs are capped at $2,500. This amount may cover only one damaged item. Thus, you should inquire about the supplementary insurance protection you can buy for such items.
Let a Florida Public Adjuster Help You Negotiate Your Flood Insurance Claim
Insurance companies will always try to undervalue or deny your claim. Their adjuster may overlook some damages. Or you may make a slight mistake in the filing of the claim. However, if you have an experienced Florida public adjuster by your side, you can be sure that your losses will be carefully evaluated and your claim will be filled in accurately.
Contact us as soon as possible and let our experienced adjusters help you during the difficult time of putting your life and home back together after a flood.