Why Should I Consider Flood Insurance?

Why Should I Consider Flood Insurance? According to the National Flood Insurance Program:

• Floods are the most common natural disaster.

• With more and more buildings, roads and parking lots being constructed where forests and meadows used to exist, floods are becoming more severe.

• People who live in a Special Flood Hazard area have a 26% chance of experiencing a flood during the life of a 30-year mortgage, compared to only a 4% chance of fire.

• A NFIP policy also reimburses you for actions you take to prevent flood damage. For example, costs for moving your belongings to a safe location are reimbursed up to a limit in the policy, with no deductible.

• In some areas, homeowners are required by law to purchase flood insurance. Even if it’s not a requirement for you, flood insurance will help you protect your home and your financial stability.

- Hoffman Home Insurance

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.


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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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