The weather can be predicted, but floods can’t. They can strike without any warning at all, and that is why it’s important to have flood insurance in Merritt Island, FL, to protect your property from the ravages of floodwaters. Damage can be significant and should be covered through insurance.
Flooding is not covered under a standard homeowners policy, and you need specific flood insurance for that instance. It will protect against physical losses that are the result of flooding. You can purchase separate coverage for the structure of your home and coverage for the contents. The building itself will be covered for its replacement cost, while personal property is protected on a cash value basis.
It’s a good idea to purchase flood insurance well before your property may be at risk because there is a 30-day waiting period before a policy comes into effect.
At First Florida Insurance of Merritt Island, we work with the major insurance providers from the industry to help you get the coverage you expect. As your insurance company, we will work with you to find the best policy for your property and budget, so reach out to our agents for a quote today.