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Flood Insurance – jj

Flood Insurance


Orlando | Sarasota | West Palm Beach

Sig Insurance provides affordable flood insurance quotes in Orlando FL and surrounding areas.

According to FEMA and the National Flood Insurance Program (NFIP) floods are the most common natural disaster in the US and they happen everywhere. In fact, FEMA says about 20% of flood insurance claims come from areas with low-to-moderate flood risk.

Since standard homeowners insurance doesn’t cover damage caused by flooding, it’s a good idea to buy separate flood insurance associated with tropical storms, torrential rain, and overflowing rivers. And if you have a mortgage and live in a high-risk flood zone, your lender will require you to have flood insurance on your home.

What is Covered with Flood Insurance?

Flood insurance covers damage to your home and personal belongings directly caused by a flood. Below is a look at what’s covered.

  • Damage to your home’s structure including its foundation, electrical, and plumbing system.
  • Damaged appliances including dishwashers, ACs, furnaces, and water heaters.
  • Damaged belongings like electronics, clothing, and furniture
  • Carpeting not already included in property coverage
  • Spoiled refrigerator food
  • Debris removal

Keep in mind, flood insurance typically requires a 30-day waiting period before the policy becomes effective.

Talk to a specialist today for a customized quote

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What Does Flood Insurance Not Cover?

Flood insurance does not cover:

  • Damage to your vehicle. If your car suffers damage caused by a flood, comprehensive car insurance pays for the repairs.
  • Damage to outdoor properties including docks, swimming pools, or landscaping.
  • Belongings you have stored in the basement.
  • Additional living expenses like food and hotels if you have to leave your home.

Also worth noting, if you have other structures on your property, like a detached guest house, you’ll need to have a separate flood insurance policy for it.

Does My Homeowners’ Policy Cover Flood Damage?

No, standard homeowners insurance typically does not cover flood damage.

What is the Average Cost of Flood Insurance?

The cost of a flood insurance policy is based on how much insurance you need and what flood zone your home is located in. While the NFIP does not offer payment plans, you are able to charge the cost of your flood insurance policy to a credit card.

How Do I Get Flood Insurance?

If you’re interested in finding the best rate for adding flood insurance to your policy, contact Signature Insurance Group today for a free customized quote! Our agents are standing by and ready to discuss your insurance needs.

Back to Homeowners Insurance

Flood Insurance in Longwood FL, Melbourne FL and Venice FL

Serving the Entire State of Florida

Longwood | Orlando FL | Winter Springs | Casselberry | Altamonte Springs | Fern Park | Wekiwa Springs | Lake Mary | Alaqua Lake | Heathrow | Forest City | Melbourne | Cocoa

Titusville | Sanlando Springs | Palm Bay | Palm Shores | June Park | Venice | Nokomis | Laurel | Plantation | Osprey | Vamo | Siesta Key | Sarasota | Englewood | West Palm Beach

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