Flood Insurance in Florida

Protecting your home from devastating expenses should be an important part of your financial plan. At Number Insurance Agency, serving Miami, FL, and the surrounding areas, we are here to help you make wise insurance choices. Keep reading to learn more about flood insurance in Florida.

Do I Need Flood Insurance?

Florida is home to beautiful sunny beaches, waterways, and flooding. The age old trade off of living near the water is that you always need to be prepared for flooding. Although there is nothing a homeowner can do to prevent flooding, there are steps you can take to protect yourself from the financial hardships that come along following a flood.

Flood insurance is one of the smartest ways to protect your finances if you live in a flood-prone area.

Is Flood Insurance Included with Homeowners' Coverage?

In most cases, flood insurance is not included in your homeowners' policy. The reason for this is that it is difficult to predict flood risks. Flood risks need to be calculated on an individual basis. This is why it is vital to sit down with an insurance expert. These professionals can help you evaluate the flood risks for your particular property.

An insurance policy can then be created that perfectly suits your particular needs.

What Happens Without Flood Insurance?

If you do not have flood insurance, you will be responsible for paying for the repairs to your home following a flood event. Depending on the event's severity, this could leave your family financially vulnerable. Adding financial hardship to the trauma of a flood event is a burden you do not need to have. Our friendly insurance representatives will be able to help you make intelligent flood insurance choices now so that you can avoid these hardships in the future.

If you want to learn more about our insurance services, please get in touch with us at Numbers Insurance Agency, serving Miami, FL, and the surrounding areas.