The threat of flooding is a severe issue for residents of Florida. In a state surrounded by water and subject to frequent storms, residents of coastal communities, as well as those who live inland, are at risk for flooding. Typical homeowner's insurance policies do not cover damage associated with flooding. The experts at Tanya Grubii Insurance Agency, Inc. in Southwest Florida can assist you with all of your questions about flood insurance coverage and create the coverage package that is right for you.
Not every home in Florida is required to be covered by flood insurance. But in some locations, or flood zones, lenders may require a flood insurance policy before writing a mortgage. As many as 20 percent of flood insurance claims in Florida are made by homeowners who live in areas that are considered low to moderate flooding risks. That is why every home and business owner in Florida should at least consider flood insurance options whether the mortgage holder requires it or not.
Most flood insurance is backed by the federal government through the National Flood Insurance Program or NFIP. There is a private marketplace for flood insurance as well, but not every lender will recognize the coverage if it doesn't come through the NFIP. Let a trained agent walk you through what is available to protect you if your home or business were to be impacted by floodwaters.
The Tanya Grubii Insurance Agency, Inc. is here for all your insurance needs, including home and flood insurance. We will work with you to discuss the risks of being impacted by floods and your coverage options. You can reach out by calling our office or by filling out the email form below. We know Florida, and we know floods. We can help.
