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Flood2020-06-27T16:53:35-04:00

FLOOD INSURANCE IN FLORIDA

FLOOD INSURANCE PRODUCTS

All flood insurance products are not created equally.  Policies vary depending on the type of dwelling, occupancy, and coverage.  It is important to know exactly what type of policy you have.  In the event of a loss, the policy will be used to determine exactly what is covered and the valuation process for losses.  Most importantly, not all insurance companies offer the same products.  Keep your options open by working with an insurance agent that represents multiple insurance providers.

  • Personal Flood
  • Commercial Flood
  • Renters  –
  • Standard
  • Private

FLOOD INSURANCE COVERAGE

The following is a general list of flood insurance coverages that may be available depending on the insurer’s product offering and your individual policy type.   It is recommended that you review and inquire about coverages that ideally suit your needs and resources.

FLOOD INSURANCE COVERAGES 

Building – 

Contents – 

FLOOD INSURANCE QUESTIONS

Why does the foundation matter?2019-07-22T21:45:28-04:00
How long do most things last?2019-07-22T21:48:35-04:00

Roofs

Slate, copper and tile roofs can last more than 50 years. Homeowners with wood shake roofs should expect them to last about 30 years, while fiber cement shingles last about 25 years and asphalt shingle/composition roofs last about 20 years, the NAHB found. Climate and weather conditions, such as snow, hail and hurricanes, can cut the life span of all types of roofs.

Air Conditioning System

Central air conditioning systems typically last 10 to 15 years. For a window air conditioner, InterNACHI suggests five to seven years. Having your unit serviced every year or two, keeping filters clean and trimming bushes around the outdoor unit can keep it working longer, but eventually the components wear out. Before you buy an air conditioning system, water heater or any other costly appliance, keep energy efficiency in mind to prevent your utility bill from soaring. You may also want to check with your utility provider to inquire if rebates or incentives for buying certain appliances are available, or consult EnergyStar.gov for additional tools and information.

Water Heater

A conventional electric or gas water heater typically lasts about 10 years. If you have a tankless water heater, expect it to stick around for about 20 years.

Why does the shape and composition of my roof matter?2019-07-22T21:44:52-04:00
What type of home construction is the best?2019-07-22T21:45:54-04:00
What type of electrical issues are unacceptable?2019-07-22T21:46:02-04:00
What type of plumbing is unacceptable?2019-07-22T21:46:11-04:00
Will a wind loss mitigation report reduce my premium?2019-07-22T21:46:20-04:00
What is on a 4-point inspection?2019-07-22T21:46:26-04:00
What is the difference in an admitted and non-admitted carrier?2019-07-22T21:37:24-04:00
Why does the foundation matter?2019-07-22T21:45:28-04:00
How long do most things last?2019-07-22T21:48:35-04:00

Roofs

Slate, copper and tile roofs can last more than 50 years. Homeowners with wood shake roofs should expect them to last about 30 years, while fiber cement shingles last about 25 years and asphalt shingle/composition roofs last about 20 years, the NAHB found. Climate and weather conditions, such as snow, hail and hurricanes, can cut the life span of all types of roofs.

Air Conditioning System

Central air conditioning systems typically last 10 to 15 years. For a window air conditioner, InterNACHI suggests five to seven years. Having your unit serviced every year or two, keeping filters clean and trimming bushes around the outdoor unit can keep it working longer, but eventually the components wear out. Before you buy an air conditioning system, water heater or any other costly appliance, keep energy efficiency in mind to prevent your utility bill from soaring. You may also want to check with your utility provider to inquire if rebates or incentives for buying certain appliances are available, or consult EnergyStar.gov for additional tools and information.

Water Heater

A conventional electric or gas water heater typically lasts about 10 years. If you have a tankless water heater, expect it to stick around for about 20 years.

Why does the shape and composition of my roof matter?2019-07-22T21:44:52-04:00
What type of home construction is the best?2019-07-22T21:45:54-04:00
What type of electrical issues are unacceptable?2019-07-22T21:46:02-04:00
What type of plumbing is unacceptable?2019-07-22T21:46:11-04:00
Will a wind loss mitigation report reduce my premium?2019-07-22T21:46:20-04:00
What is on a 4-point inspection?2019-07-22T21:46:26-04:00
What is the difference in an admitted and non-admitted carrier?2019-07-22T21:37:24-04:00