Florida Insurance Blog

Ensuring You are Properly Covered Against Flood Damage

Many people believe that homeowner or renter’s insurance covers flood damage, but this is usually not true. So, it is imperative to ensure you have flood insurance, especially if you live in more subject areas to get floods. And even though some people can get this separate policy from a program administered by the Federal Emergency Management Agency (FEMA) called the National Flood Insurance Program (NFIP), it is still critical to consult a reliable insurance agent.

There are still certain important details you should know to ensure you are properly covered against flood damage. For instance, flood insurance doesn’t cover floods resulting from internal damage in the home, like broken pipes. Another example includes the fact that flood insurance does not cover personal possessions in the basement where a flood erupted except for food freezers and a washer and dryer. Also, flood insurance policies may pay for structural damage in the basement, like drywall and electrical work. Another important fact to consider is that the insurers’ legal definition of flooding, which is usually flooding of at least two acres or more than one property, is affected. 


These are just a few discrepancies when it comes to flood insurance. For more information about flood insurance and make sure you are properly covered, contact Morgan Insurance Services in Tampa, FL, today. They are highly trained, licensed, and experienced insurance agents that will lead you in the right way with flooding insurance and other types of insurance to ensure adequate coverage. So, don’t be caught off guard. Contact Morgan Insurance Services in Tampa, FL now. They are more than happy to assist you.