Is Your Home at Risk of Flooding?


Flooding has become an increasing risk over the past few years, especially in Florida. Flooding can occur in your community for many reasons including storm surge caused by a hurricane or tropical storm, heavy rainfall, or river overflow. If your home is located in a poorly drained or low-lying area, you could be at an increased risk.  It is important you understand your risk of a flood event in your home or community.

Floods can occur at any time and anywhere, making it the most common disaster in the United States. It can only take one heavy rainfall to cause devastating damage to homes and communities. In fact, FloodSmart estimates just one inch of flood water can cause roughly $25,000 in damages to your home and your possessions. You do not need to live in a high-risk flood zone to experience flood damage either. More than 20 percent of all reported flood claims come from homes located outside of high-risk flood zones.

Flood Insurance in Florida: Flooding is a frequent hazard in Florida and is a threat to communities from coast to coast. Over the past few years, we have seen the increasing risk of floods from hurricanes and heavy rainstorms. To ensure you are fully covered in the event of a flood, you need to understand your home’s risk of a flood. As a homeowner in Florida, you more than likely need flood insurance to provide coverage for your home and possessions. Many are surprised to learn flood damage is not covered under your standard home insurance policy. Flood insurance must be purchased through private carries, like Edison Insurance Company or through the NFIP. Edison’s flood endorsement allows eligible policyholders to secure flood insurance coverage up to a selected amount, eliminating the need for a standalone flood policy. To learn more about obtaining flood insurance with Edison Insurance Company, speak with your agent.

It is essential you and your family are prepared for a flood regardless of your risk. Visit our blog for some reasons why you need a flood preparedness plan and for some tips developing your flood preparedness plan.

As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 
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