What Does Flood Insurance Cover?

Flood Insurance

Floods are one of the most damaging natural disasters in the world. They cause billions of dollars of damage yearly. Flooding is the result of heavy rain, hurricanes, storm surge, or melting snow. It doesn’t matter what generated the flooding. The effect is devastating. Only twelve inches of water can have a catastrophic impact on your home. At Accesspoint Insurance in Palm Beach County, FL, we understand the danger that flooding represents to your home. Our experienced team is knowledgeable in the best way to protect what you own from the ravages of flooding.

Flood insurance is unique in that it doesn’t matter which company you purchase it from. The NFIP (National Flood Insurance Program)  has authorized 95 companies to sell flood insurance. The government sets the terms and rates so you will pay the same price no matter which one you choose. As independent agents, we will have several to offer you.

Flood insurance comes in two parts. One covers the actual building, and the other covers the content. You can buy one part or both. 

The building coverage is structural, including walls, foundation, detached garage, and roof. Permanent fixtures such as plumbing, electrical HVAC, and water heater will be replaced. Built-in furniture and appliances and permanent flooring are also included in the building coverage. The removal of debris is another coverage that will be much appreciated.  

Contents are all of your personal property, clothing, toys, furniture, curtains and decor, freezer and food in it, portable appliances like a microwave, washer, and dryer smaller kitchen appliances like a toaster or coffee pot. Coverage is also extended to your electronics. 

At Accesspoint Insurance in Palm Beach County, FL, our whole team is in your corner. We will use all our expertise to make sure you have the right flood insurance for your needs. Call our office for an appointment to talk to one of the members of our team.