At Americas Insurance Associates and other insurance providers, flood insurance is always a separate policy from home insurance. At first glance, this doesn’t always make sense to customers, since flood insurance covers damage to the same home that your homeowners policy already protects. Dig a little deeper, though, and the difference becomes clear.<\/p>\n
A standard home insurance policy doesn’t cover flood damage. The reasoning varies: sometimes it’s considered too risky to insure broadly; sometimes it’s too costly to include by default. Regardless of the reason, as flooding from severe storms, river overflows, and other sources became a growing concern, the need for dedicated coverage became impossible to ignore. Floodwater causes significant damage to homes and belongings, and that damage doesn’t simply disappear once the water recedes. Recovery can take months, sometimes years.<\/p>\n
That gap needed to be filled, and the federal government stepped in by creating the National Flood Insurance Program through FEMA. Private insurance companies, including ours, followed with their own flood insurance options, often offering additional benefits. Keeping this coverage specialized but separate helps prevent flood-related claims from overwhelming standard home insurance, which in turn helps keep home insurance premiums more affordable overall.<\/p>\n
Coastal, island, and inland residents alike feel the effects of hurricanes and tropical storms rolling in from the Atlantic and the Gulf. Cleanup and rebuilding can cost millions of dollars and take months of labor to restore any sense of normalcy. That doesn’t even account for the year-round possibility of heavy rainfall overwhelming drainage systems and causing standing floodwater around a home. Flood insurance helps affected residents access the coverage they need to begin recovery with confidence.<\/p>\n
The Americas Insurance Associates team is grateful that Florida residents have access to flood insurance to help protect them against unexpected flooding. Since flooding can happen at any time and from virtually any direction, we want our customers to have a policy that protects them against the full range of water-related risks. Contact us for more information.<\/p>\n
At Americas Insurance Associates and other insurance providers, flood insurance is always a separate policy from home insurance. At first glance, this doesn’t always make sense to customers, since flood insurance covers damage to the same home that your homeowners policy already protects. Dig a little deeper, though, and the difference becomes clear. Why Is […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[13,30,12,24],"class_list":["post-109","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-americas-insurance-associates","tag-flood","tag-florida","tag-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t