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Flood Insurance

Facts about flood insurance

We adore our houses. We want to ensure that our families, pets, and valuables are safe from damage. Most homeowners recognize that insurance is a critical tool to safeguard the people they care about from unexpected and catastrophic catastrophes. However, unless mandated by their mortgage company, many homeowners ignore an essential sort of coverage: flood insurance.

The possibility of flood damage or loss

Floods, including inland flooding, flash flooding, and flooding caused by seasonal storms, occur in every region of the United States, according to the Federal Emergency Management Agency (FEMA). Flooding is involved in 90% of all-natural disasters in the United States.

If you’re moving into a new home, apartment, or business location, check with your mortgage lender, local officials, or an insurance specialist to see if the area has a history of flooding. The National Flood Insurance Program (NFIP) can also give flood-risk statistics for your specific area.

Flood insurance fundamentals

  • Flood insurance is a little different from other types of insurance.
  • Floods are not covered by homeowners’ or renters’ insurance. Only a specific flood insurance policy will cover losses caused by flooding in residence.
  • Flood insurance for the home’s structure and contents is sold separately.

Why Should Homeowners Consider Private Flood Insurance?

Private flood insurance provides a variety of possibilities in addition to the NFIP. Purchased privately:

  • Provides increased protection, particularly for structures such as garages and unattached buildings.
  • Replacement value and loss of use coverages may be available.
  • Premiums may be lower than those charged by the NFIP.
  • Reduced wait times for policy to take effect.
  • The loss of business income may be covered.


Flood insurance is offered to all homeowners, business owners, and renters in the United States, regardless of living in a high-risk flood zone. It is one of the most effective strategies to safeguard against financial losses caused by flooding since it allows people to recover more quickly and thoroughly. Flood insurance provides funds to restore flood-damaged property without needing to dip into savings, incur debt, or rely on frequently limited and delayed federal government aid. Some consumers avoid purchasing flood insurance because they believe it is a highly complicated process. Rumors and plain misinformation have duped others. The truth is that this coverage is both inexpensive and straightforward. It may also save you thousands of dollars in property repair or replacement.


For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

We can be found on Social Media at the following links.


The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487