Homeowners are often confused about exactly what their homeowner’s policy covers and its exclusions. Flood coverage is one of the most misunderstood of all insurance options in South Florida. There is one major differences in a homeowner’s policy and a…
South Florida has always been a ripe environment for heavy rains and climate change is exacerbating the situation. Higher rain amounts over a shorter duration has become a much more common occurrence. With increased rainfall comes the potential for heavy…
People that live away from coastal areas often feel safe from flooding due to hurricanes. It’s a false sense of security. Storm surges have been known to travel 25 miles inland. That doesn’t account for flooding that occurs from torrential…
Everyone in Florida is at some risk of flooding, it’s just a question of if you’re living in a low, moderate or high-risk zone. It’s better to know what risk assessment zone you’re in before purchasing a home or launching…
An insurance policy that covers flood damage will typically cover mold and mildew that’s a result of a flooding event. Much will depend on the policy. However, many homeowners’ policies no longer provide coverage for flooding in Florida. An increasing…
Flood insurance is a necessity in South Florida due to yearly hurricanes and strong storms that can cause minor to severe flooding. Many people make the mistake of eschewing flood insurance if they don’t live on the coast. It’s a…
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,…
Storm surges can be as devastating as the rain, wind and flooding that accompanies a hurricane. People living on the coast are at the highest risk. However, depending upon the strength of the hurricane, storm surges can push water up…
If you don’t live on the coast, you may be tempted to dispense with a flood insurance policy. It’s a decision that has the potential to cost you thousands of dollars. There are some excellent reasons why you should invest…
Deciding to switch your insurance company is never an easy decision. Knowing when and how to do it can be difficult - or even knowing whether you should do it at all. If it’s going to mean a better deal…
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