Flood Insurance | Full Coverage

  • Flood Insurance.
  • Flooding is one of the most common and most damaging types of natural disasters.

    There are numerous hidden risks involved in flooding, which can jeopardize the safety of your house. Flooding is not limited to those living close to bodies of water; it can happen anywhere and affect anyone. The flat and low terrain, along with the high average rainfall and storm surges, make Florida particularly vulnerable to flooding.

    Around 25% of flood claims occur in areas with low risk.

    Flood insurance safeguards your residence and belongings from the financial impact of water levels that rise and cause harm to your home. Flood insurance can provide assistance in repairing or reconstructing your residence and replacing any personal property that has been damaged.

    If you have a financial interest in the property, your lender may require you to have flood insurance because it protects and ensures the safety of your home. Additionally, insurance will help offset the cost of replacing or repairing your home in case of a flood, which is one of the most valuable assets for most homeowners. However, it is not a legal requirement for homeowners in Florida to have flood insurance.

    Some private insurance companies for homeowners may provide a flood policy as an endorsement (an alternative), however, it is typically a distinct policy from your homeowner’s coverage.

    Discover the materials provided below to gain a deeper understanding of flood insurance and its potential advantages for you.

    Flood Insurance. Consumer Education Materials

    Flood Insurance. - Anywhere It Rains, It Can Flood: The Importance of Flood Insurance.

    Flood Insurance.: Anywhere It Rains, It Can Flood

    Office of the Consumer Advocate Consumer Guide for Insurance.

    Learn about the importance of having flood insurance coverage, even if your home is not located in a flood zone in Florida. This guide describes the differences between insurance types, such as insurance for damage to the cover, and provides situational examples, including flood insurance and homeowners insurance.

    Additionally offered in Spanish and Creole.

    Flood Insurance. - Myths & Facts Guide

    Flood Insurance.: Myths & Facts

    Office of the Consumer Advocate Consumer Guide for Insurance.

    Flood Insurance. myths and the facts that disprove them to ensure you have properly protected one of your greatest assets.

    Additionally, it is accessible in Spanish and Creole.

    National Flood Insurance. Program (NFIP)

    The National Flood Insurance. Program (NFIP) is a federal flood insurance program for homeowners, renters and businesses and is managed by the Federal Emergency Management Agency (FEMA). NFIP was created to reduce the impact of flooding by providing flood insurance in an effort to assist with the costs of repairing or replacing damaged property caused by floods. Property owners have the option to apply for flood coverage through the NFIP or through a private flood insurance carrier.

    National Flood Insurance. Program Logo

    Important National Flood Insurance. Program Contacts

    Flood Insurance. - Know What To Do After A Flood Guide

    Flood Insurance.: Know What To Do After A Flood

    Office of the Consumer Advocate Consumer Guide for Insurance.

    More flood information available from resources includes a guide. Collaborating with your insurance adjuster and documenting damage, including the process of contacting your insurance company, is essential for filing flood insurance claims and seeking direction and guidance regarding flooding.

    The Flood Claims Process Guide

    The Flood Claims Process

    Guide from the Division of Consumer Services in the Department of Financial Services.

    This guide will walk you through the process of filing a flood claim with your insurance company or agent, ensuring that you know what to expect after reporting the claim, preparing for the inspection, working with your adjuster company to document your losses, and receiving payment for your responsibilities in the process.

    Flood Insurance. Writers in Florida

    A list of insurance companies in Florida that are eligible to write flood insurance outside of the National Flood Insurance. Program (NFIP) for personal lines. This list is compiled based on information filed with the Florida Office of Insurance Regulation (OIR).

    Florida Office of Insurance Regulation

    Additional Consumer Education Materials

    In order to obtain a reduction in premium, it is necessary to decide against relinquishing the entitlement to transfer insurance benefits to a third party, as long as any policy issued before January 1, 2023, grants the policyholder with such entitlement.

    Full Coverage: Your Directory of Insurance Resources

    Contact Your ICA

    You can reach out to the Insurance Consumer Advocate’s Office, which is situated at 200 East Gaines Street in Tallahassee, FL 32399, by dialing (850) 413-5923 or by sending an email to YourFLVoice@MyFloridaCFO.Com.