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Is Flood Damage Covered In A Florida Homeowners Insurance Policy?



Is Flood Damage Covered In A Florida Homeowners Insurance Policy?


A standard Florida homeowners insurance policy typically DOES NOT include coverage for flood damage. Depending on the location of your Florida home and whether you hold a mortgage, your mortgager may require a flood insurance policy in addition to your regular home insurance policy. If you own your home outright, you have the option to add additional flood insurance to your Florida homeowners insurance policy.


How can I tell if my Florida homeowners insurance policy covers flood damage?


The best way to tell if your current Florida homeowners insurance policy covers flood damage is to review your policy documents. If your policy documents are hard to understand, you can contact your insurance agent or company to ask them directly. Be sure to ask specific questions about flooding coverage. For example, some policies cover flooding from internal accidental issues, such as a pipe bursting, but directly or indirectly exclude flooding from sources outside the home, such as a hurricane.


If you need specific legal advice on whether to purchase flood insurance for your Florida home, contact Max Factor Law. Florida residents deserve proper advice when protecting one of their biggest investments and a Florida insurance claim attorney at Max Factor Law will be happy to discuss your situation with you. Our home office is in Tallahassee, Florida, but we serve homeowner insurance claim cases all over the state of Florida. Give us a call today at 850-577-1699 to schedule a consultation to discuss your homes unique situation.



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