Florida Flood Insurance
| According to the Federal Emergency Management Administration (FEMA), just one inch of water from flood damage can cost more than $25,000
. Whether due to rainfall, flash flooding or storm surge from a hurricane, the damage can change your property and your life very quickly, with little time to prepare. For those without flood insurance
, the financial burden of repairs can be damaging to savings and credit, causing long-term distress.
Widely accepted myths about floods and flood insurance can perpetuate dangerous behaviors when it comes to protecting your home and family. Below we will debunk five common flood insurance myths so you can make a more informed decision about your home’s insurance protection plans.
Myth #1: My homeowners policy protects me from flooding.
Many homeowners wrongly assume that their homeowners policy offers protection from any harm that may befall their property. In truth, standard homeowners policies do not cover damage caused by flooding. While some policies will cover water damage from an accident that originates inside the home, such as a burst pipe, external flooding requires a separate flood insurance policy.
Related Post: Filing a Flood Insurance Claim
Myth #2: Only homeowners can purchase flood insurance.
Flood waters don’t discriminate based on living situation and neither does flood insurance. Flood insurance plans are available to landlords and condo owners, as well as homeowners.
Myth #3: I don’t need flood insurance because I will be protected by FEMA.
FEMA and national disaster relief services are only implemented if the President declares a federal disaster for the event. If a disaster is declared, relief comes in the form of a low-interest disaster loan, which has to be repaid.
Myth #4: You don’t need flood insurance if you’re in a low-risk flood zone.
Floods can affect any home anywhere, especially in Florida’s subtropical climate vulnerable to flash flooding and hurricanes. When weighing the pros and cons, having flood insurance is far less expensive than not having it and needing it.
Related Post: Don’t Risk It. Get Flood Insurance.
Myth #5: You have to live in a Special Flood Hazard Area (SFHA) to buy flood insurance.
It is important to know which flood zone you’re located in, but you do not have to be located in a special flood hazard area or zone to purchase flood insurance.
American Integrity offers flood insurance that is, on average, 15 percent less expensive than a National Flood Insurance Policy, with no waiting period (NFIP has a 30-day application process).
Get a new home insurance quote today. It is free and easy and can help you make a more informed decision. Visit American Integrity Insurance at for a free, no obligation homeowner’s insurance quote in Florida.
American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.
We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.