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Flood

Do I need Flood Insurance?

If you live in the Jacksonville / North Florida area and you own property, you need flood insurance.

Homeowners insurance does not cover damage caused by flood.

Federal disaster assistance is only offered when the President declares a major disaster, which only occurs in about half of flooding situations.

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Flood Insurance is Available in Florida

Unfortunately, many people find out too late that their water-damaged homes and possessions are not covered by their existing insurance policy.


The good news is that flood insurance is available in Florida to protect homes and businesses in communities that participate in the National Flood Insurance Program.


-Homes
-Condos
-Businesses

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What is a flood?

A flood is defined as a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.
Many conditions can result in a flood:


-Hurricanes
-Broken Levees
-Outdated or Clogged Drainage Systems
-Rapid Accumulation of Rainfall

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Florida’s hurricane and rainy seasons span much of the year.

According to FEMA, flooding is the #1 occurring natural disaster in the United States. Our mission at Insurance Solutions of North Florida is to help Florida residents understand the basics about flood insurance.
Flood Insurance in Jacksonville and North Florida – There Are Many Misconceptions.
For example, many believe homeowners insurance covers flooding. Unfortunately, this is false. In fact, this is usually in bold letters on the first page of your homeowner’s insurance policy.

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But much does Flood Insurance Cost?

Another misconception is that flood insurance policies are expensive.
The fact is, in FEMA determined Preferred Risks Zones, you can purchase flood insurance for a minimal investment annually.

Most common is many homeowners in Florida don’t think they live in a flood zone. In actuality, FEMA has designated many areas in Florida as flood zones with different levels of risks.
Don’t be left without flood insurance!

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