Considering that 98% of properties in Naples, FL, are at risk from flooding, it’s crucial to have a solid flood insurance policy that offers significant protection. However, keep in mind that regular flood insurance doesn’t cover certain types of flooding. Let’s break down some of the most common misconceptions.
Misconceptions About Flood Insurance Coverage
- Pipes and Leaks- If you return home to a soaked interior due to burst or leaky pipes, don’t lean on your flood insurance for coverage. Typical house insurance covers this kind of structural damage. But remember, your home insurance won’t cover if the damage results from your failure to conduct regular maintenance and repairs.
- Possessions Damage- Flood insurance typically covers the building, not the possessions inside it. You need a personal property policy to cover any damage to the belongings inside the house. A comprehensive auto insurance policy tailored to cover flooding can compensate for flood damage to your vehicle. Additionally, damage to external structures like your swimming pool isn’t usually covered by flood insurance unless you’ve specifically included it in your policy.
- Loss of Use- Post-flood repairs can take weeks, even months, rendering your home uninhabitable. A "loss of use" policy will help cover the costs associated with finding alternate accommodation and bearing the cost of meals.
Get the Right Coverages with Pro America Insurance in Naples, FL
At Pro America Insurance, we’re prepared to help you evaluate which types of coverage are necessary for your home and belongings. We offer tailored policies to meet these needs. Contact us today to learn more about our insurance options or for a quote.
