Flood Insurance

Flood insurance is often a necessity as it is not something covered by home insurance. Whether or not it is required will depend on where you are in Florida based on the FEMA map. If you are in a high-risk area, it may be required that you have flood insurance. Even if you’re in a low-risk area, your mortgage company may require you to have some level of coverage.

You can find out what the specifics are by calling our agents. Your mortgage company can also tell you about flood insurance requirements simply by using your home’s address and the latest FEMA map to show areas where flooding has been a concern.  

Flood insurance protects against such scenarios as:

• Broken water mains
• Excessive rain
• Hurricanes
• Storms
• Clogged drainage systems

If there is a flood in your area, it may only be a matter of time before it enters your home. Sandbags and other ways to keep water from entering are only efficient for a limited time. Once the water is inside, it can damage the drywall, flooring, and various personal belongings.

With a policy in place, you can file a claim to have the insurance company cover repairs and replacements. You would only be responsible for the deductible. However, without a policy, your home insurance policy wouldn’t cover anything related to a flood. This could leave you on the hook for thousands of dollars’ worth of damage.

Find out more about flood insurance for your home in West Palm Beach, FL by calling us at Atlantis Insurance Inc today. One of our independent agents can build a policy to meet your individual needs.