The Importance of Florida Flood Insurance

May 19, 2020

HH Insurance is the leading agency for Florida flood insurance. Flooding can cause lots of damage, so it is important to have coverage to protect yourself and your belongings. Here is what you need to know in case of a flood:

Even if you have never experienced a flood, it is a good idea to stay informed about what you can do to stay safe when a flood occurs. Stay up to date with information about large storms as they approach and always follow instructions in accordance with your local emergency management officials. 

Take Photos

If you have contents coverage on your flood insurance policy, take photos of anything that may be damaged by the expected flood: flooring, furniture, appliances, clothing, etc. This will be helpful in filing a flood insurance claim. Email the photos to yourself in order to have a copy separate from your phone or camera.

Reduce Damage

In order to reduce damage from flood waters, prepare for the storm by ensuring that your sump pump is working properly. Install a battery-operated backup in case of emergency. Anchor any fuel tanks and clear debris from gutters and downspouts. Move any valuables, important documents, and furniture to a safe place. It is recommended to take photos of irreplaceable documents like insurance documents, deeds, and birth certificates in case they are damaged in the flood.

Why Do I Need Florida Flood Insurance?

Floods can occur anywhere, even outside of high-risk flood zones. They cost millions of dollars in damage each year as the nation’s most common natural disaster. From 1996-2019, there were 79 flooding events just in Pinellas County, Florida. No home can be completely safe from flooding devastation, so it is best not to risk the damage that may occur. Florida flood insurance will provide the coverage you need as well as peace of mind in knowing that you are insured. Make sure you know what limits you have in place, whether it be contents coverage or building coverage, which respectively pay for damage to your belongings and damage to your home.

HH Insurance

At HH Insurance, our team is focused on providing a world-class experience to you and meeting your needs to be a great insurance partner. We work with exclusive insurance markets that deliver you better coverage at the lowest rates. Get in touch with us today to get the best Florida flood insurance rates and coverage. Our specialists are ready to answer all your questions.