Is Hurricane Damage Covered Under Flood Insurance

The Wurzel Agency provides insurance coverage to the Oviedo, FL community, as well as the surrounding areas. We are an independent insurance agency. For over 50 years, we have helped our clients find the policies they need to protect their assets. We look forward to creating long-lasting relationships and providing excellent customer service.

Is Hurricane Damage Covered Under Flood Insurance?

As an Oviedo, FL resident, you are aware of the potential damage that a hurricane or tornado can cause it moves through the area. The aftermath of natural disasters is often flooding. During those times when severe flooding moves through the area, flood insurance will cover your property. The policy covers any damage to the structure of your property, as well as your personal items. You may have to amend your policy to cover excess flooding inside your basement. Read over the terms of your coverage carefully. 

Generally, hurricanes cause extreme wind damage. You may need to look into separate coverage if the shingles are ripped off your roof or if a tree in your yard gets ripped up. However, there are some cases where you may be covered, such as if a hurricane were to blow debris through your home. Flood insurance does cover your property if a hurricane causes sewer backup damage. Ultimately, it’s important that you do some research to see if you are located in a high risk flood zone. If you are located in one of these zones, you may be required to add flood insurance.

The Wurzel Agency Will Help You Find The Coverage You Need

Visit our website to learn more information about flood insurance.  

Do You Really Need Flood Coverage?

Many people are under the impression that flood insurance is only for home and business owners who live in a flood zone. Recent flood events have proven this theory false. Floods are occurring in flood and non-flood zone areas all over the country. With flood insurance, you can have the protection you need to recover from unanticipated flood disasters. Here’s how flood insurance from The Wurzel Agency can protect you.

What Flood Insurance Covers

Flood insurance offers two types of coverage: protection for your building (home) and protection for its contents.

Building coverage covers flood damage to your home’s foundation, walls, staircase, wall-to-wall carpeting, paneling, and cabinets. It also protects your plumbing and electrical systems, furnace, water heater, built-in appliances, and window blinds. If you have attached structures to your Oviedo, FL home like a patio or garage, these are also protected under your flood insurance building coverage.

Contents coverage protects your personal belongings, furniture, electronics, washer, dryer, portable AC units, small appliances, rugs, artwork, and other valuables.

What Kind of Damage Can Floods Cause?

Flooding can cause extensive structural damage to your home in very little time. You may notice frayed electrical wires, cracks in your foundation, buckled flooring, and mold. Floodwaters can compromise your HVAC system, water heater, refrigerator, and other major appliances. Some homeowners have lost all that they owned due to a flood disaster.

Do You Need Flood Insurance?

Flood insurance can provide you with financial support to recover from a flood disaster. Unless you have the finances to rebuild your home or replace your goods on your own, you can significantly benefit from the help that flood insurance can provide in recuperating your losses after a flood.

To purchase flood coverage for your Oviedo, FL home, contact an agent from The Wurzel Agency today.

Prevent water from going where it shouldn’t

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured Florida home. We know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage. 

Just a little time and some effort can prevent a lot of heartache and hassle:

  • Make sure your water pressure is not set too high. For just $6 or so, you can purchase a gauge that will help you test the strength for the appropriate level, between 60 and 80 PSI.
  • Standard hoses on new appliances are not as durable as they used to be. So, check your devices. If they’re rubber, either replace them with longer-lasting stainless steel braided hoses or replace them every three years.
  • Keep water from leaking into the walls or floor of your bathroom by replacing cracked tiles and re-grouting when it’s needed.
  • Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.
  • Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.
  • A lot of water damage occurs when you and your family are away from home.  Avoid running the washing machine or dishwasher while you’re out.
  • When you leave for vacations, turn off the water supply to appliances.
  • Keep up maintenance on all appliance hoses. Slow leaks from worn-out hoses can cause significant damage, and Homeowners insurance coverage does not apply.  

An Extra Note About Front-Loading Washing Machines

Speaking of appliances, if you have a front-loading washing machine, it’s essential to know that the seal around the door opening, or gasket, there to keep water inside the tub during the wash and spin cycles. If you notice water on the floor in front of the washer, rivulets of detergent and water, or unexplained water marks around the door, the seal may have failed. The first sign of seal failure on your front-loading washer is usually water dripping or flowing from the bottom of the door. 

This loss of water indicates that the seal is torn, cracked, or crumbling. Age, mold and mildew, and improper cleaning can cause the seal to fail. Clean the seal regularly but handle it gently and avoid harsh cleaners that break down the rubber. Replace all seals that fail. On most models, clips hold the seal in place. Unplug the machine, pull the old seal out of the clips, and carefully press the new one into place. Check that it is secured with the clips to prevent leaks and damage to the new seal.

The Wurzel Insurance Agency can work with you to ensure you have the coverage you need. Give us a call at (407) 977-5700 to speak with one of our experienced agents or email us: hello@wurzelagency.com.

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.

Heavy Rain? Be on the Lookout for Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and much vigilance, it’s not hard to stay safe and dry. Summer rainstorms are a fact of life in Florida, and they help keep things green, even if they keep you inside. However, when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

Where is all that rain going?

Your roof and gutters form a crucial line of defense for your home — and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. Moreover, keep your gutters clear, so all that water drains properly.

Are you checking everywhere?

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can quickly go undetected because hardly anyone ever checks there. Don’t forget to look there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it checked out as soon as possible.  Also, don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions. Make sure your doors and windows are properly sealed to keep out the elements, too! 

What about around your property?

Stormwater has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So, watch for patterns, and grade property, so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable.

Don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your property.

What should you do during the storm?

During powerful storms — especially those afternoon thunderstorms — stay inside! This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation at the moment, even if it means just placing something under a leak to collect the water. For more severe problems, though, remember that safety is the most important thing. Monitor the storm’s progress with a weather app or your local news station, and stay safe! 

The Wurzel Insurance Agency is here for you! Give us a call at (407) 977-5700 to speak with one of our experienced agents, or email us: hello@wurzelagency.com.