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Lessons learned after Katrina and Super Storm Sandy…make sure you have enough Flood Insurance!

Did you know that every catastrophe in 2012 was a flood event?

Did you know that floods have been happening more frequently and are more severe each year for the past decade?

Many people think “a flood can’t happen in my area” and that is incorrect.

A flood can happen anywhere and it is excluded under your homeowner’s policy.

Many victims of these mentioned storms had flood insurance through the National Flood Insurance Program, but they did not purchase “excess flood insurance” that was available through a private market.  Unfortunately, many needed the additional coverage and didn’t realize it until after the storms had passed.

Flooded House

The many articles and news stories we have seen recently where people didn’t have flood insurance OR they didn’t have enough flood insurance has prompted us to alert you to the fact that you too may be left “high and dry” with no coverage or not enough if you only have what the National Flood Insurance Program (NFIP) offers.

The highest flood insurance coverage amount you can purchase through the NFIP was not enough for those victims of Katrina and Super Storm Sandy.  As a reminder, the NFIP only offers $250,000 on the building and $100,000 on the contents. If you need more coverage than that you can buy an “Excess Flood Policy”.

You may have taken that first step and purchased the first layer of flood insurance and that’s great, but you may need more! No matter where you are in the process, we recommend you call our office today to start the process of applying for a flood policy through the NFIP and/or an excess flood policy through a private market to ensure you are properly protected against the risk of flood.

Call us today at (813) 960-4672 to start the process. It only takes a few minutes to get a quote and just a few hundred dollars could make hundreds of thousands of dollars difference after a flood event.

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