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Unless you live in a flood-prone area, it’s not mandatory to have flood insurance coverage in Florida. If your home is damaged by flooding, however, you risk substantial financial loss. As hurricanes and tropical storms are quite common in the Sunshine State, it’s to your advantage to protect your property against flooding. A flood insurance policy from McCormick Insurance Inc. in Pembroke Pines, FL can offer you the following protection against floods:
Building Coverage
Flood insurance covers damage to your home’s structure up to the amount of $250,000. This coverage includes repairing (or replacing) your home’s foundation, walls, electrical, plumbing and HVAC systems, kitchen appliances, carpeting and built-in structures (cabinets, paneling, etc.)
If your home has a detached garage, you can use up to 10% of your building coverage to cover repairs caused by floodwaters. Your flood policy will also pay to remove debris so this cost doesn’t come out-of-pocket.
Contents Coverage
Flood insurance protects your personal effects to include clothing, electronics, furniture, artwork, jewelry, etc. up to the amount of $100,000, making it easier to replace these goods after a disaster. As standard homeowners’ insurance doesn’t cover flood damage, flood insurance can be a lifesaver in helping you recover from flood disasters.
What Isn’t Covered by Flood Insurance
It’s also good to know what’s not covered in a flood policy so you can be prepared to pay for this damage through other coverage or out-of-pocket.
Flood insurance doesn’t cover mold or mildew damage not caused by flooding incidents, earth movement damage, damage to landscaping or outside structures (pool, hot tub, walkways) or additional living expenses while your home is being repaired.
To learn more about flood insurance coverage and costs for your Pembroke Pines, FL home, contact your McCormick Insurance Inc. agent today.