Serving All Of Florida With Quality Flood Insurance
Florida Flood Insurance
Many homeowners are surprised to learn their homeowner’s insurance policies don’t cover flooding events. That’s right: Most homeowner’s policies won’t cover flood damage.
This fact puts Florida residents—so many of whom live on or near Florida’s Gulf Coast — in a tricky position. For such homeowners, adequate flood insurance isn’t optional; it’s a necessity.
How Does Typical Home Insurance Define ‘Flooding?’
If a pipe in your home bursts and floods your floor, would it be considered a “flooding event” and, thus, not be reimbursed by your homeowner’s policy? Or would it be covered?
If you answered, “Yes, this event should be covered under my homeowner’s insurance policy” (or something similar), you’re correct. A typical homeowner’s insurance policy would likely cover a flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance).
What kinds of events then, are classified as “flooding” and are thus not covered under a standard home insurance policy? A heavy rainfall event wherein water rose into your home would be considered flooding. However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. 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:
- Rain damage
- Storm surge damage
- Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.
Where Can I Buy Flood Insurance in Florida?
The overwhelming majority of flood insurance policies across the US—including in Florida—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA). To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Bird Insurance Group, LLC, has sold flood insurance through NFIP for many years.