3 Reasons to Consider Flood Insurance

If you own a home in Florida, you should definitely consider flood insurance to protect your property. The high risk of flooding from hurricanes and tropical storms makes this coverage well worth your while. With flood insurance from The Wurzel Agency in Oviedo, FL, you can recover much quicker from a flood disaster. If you’re still on the fence about purchasing this coverage, consider the following flood facts.

Floods Can Cause Substantial Damage

Flooding can happen quickly and with little warning, leaving you with thousands of dollars’ worth of damage to your home, not to mention the loss of belongings. It only takes an inch of floodwater to cause structural damage to a home. If floodwaters rise to 3 inches, you may need to replace carpets, wood flooring, baseboards, furniture and more.

Floods Can Occur Anywhere

Floods can occur anywhere, not just in high-risk areas. Florida is known for its heavy rains, tropical storms and hurricanes, which puts Florida homeowners at high risk of flood damage. Adding flood insurance to your existing coverage can give you peace of mind that your home and goods are protected against this disaster. It’s better to be safe than sorry when it comes to protecting one of your most valuable investments.

Flooding Isn’t Covered by Standard Home Insurance Coverage

Standard homeowner’s insurance doesn’t cover flood damage. Your home insurance will protect you from rainstorm damage if your roof leaks and water enters your home. It also includes damage from leaky plumbing. If heavy rains cause flooding and floodwaters wreak havoc on your home, you’ll be responsible for the cost of repairs unless you have flood insurance.

The good news is that flood insurance is affordable, putting it well within your reach. To learn more about flood insurance coverage and costs, contact The Wurzel Agency, Oviedo, FL.