Who Needs Flood Insurance? Everyone!

According to Federal Emergency Management Agency officials, some people do not buy flood insurance because they dont understand how the insurance works. Buying flood insurance can provide protection and peace of mind.

Here are some common myths and facts about the National Flood Insurance Program.

MYTH: My homeowners insurance will cover me for flood damage.
FACT: Homeowners insurance does not cover flood damage. You need a separate flood insurance policy. Federal flood insurance, purchased through your insurance agent or company, is the only guaranteed flood insurance available.

MYTH: Flood insurance is only available to homeowners.
FACT: Renters can also purchase policies to cover personal property. Business owners can get coverage for buildings and their contents, including equipment.

MYTH: I cant buy flood insurance because my home has been flooded before.
FACT: It doesnt matter if your home has been flooded before. As long as your community participates in the National Flood Insurance Program, you can buy flood insurance.

MYTH: I can get federal disaster aid if my home has flood damage. I dont need to buy flood insurance.
FACT: FEMA disaster assistance is only available after a Presidential disaster declaration that includes the county in which you live. You may have flood damage but your county might not be designated for federal disaster aid. Flood insurance policies pay claims whether or not a disaster is declared.

For more information talk to a professional insurance agent to find out how to prepare for a flood, assess your risk, and estimate the cost of flood insurance premiums.

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.

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Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website

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