top of page

Is Flood Damage Covered In A Florida Homeowners Insurance Policy?

  • Writer: Max Factor Law
    Max Factor Law
  • Nov 26, 2021
  • 2 min read

Updated: Aug 18, 2022

Article Sections:



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.


Contact A Flood Damage Attorney To Get Free Help With Your Insurance Claim


If you need specific legal advice on whether to purchase flood insurance for your Florida home, contact Florida Property Damage Attorneys. Florida residents deserve proper advice when protecting one of their biggest investments and a Florida insurance claim attorney at Florida Property Damage Attorneys 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.



Comments


Blue Teale Damage Logo.png

Florida Property
Damage Attorneys

Contact Max Today

Florida is constantly facing extreme weather conditions which bring about hurricanes, flooding, fires and more.  If your home has recently been damaged due to any of the above, and you need help navigating your insurance claim process with the help of an attorney, we can help.

CONTACT US!

Thanks for submitting!

  • Facebook - White Circle

© 2021 by Tallahassee Property Insurance Claim & Property Damage Attorney

Max Factor Law. Proudly created by Craft & Draft Design.

bottom of page