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Do You Have Coverage for Flood Damage?

When Hurricane Michael caused significant damage to the Florida Panhandle last year, many homeowners received the unwelcome surprise that their insurance policy did not cover flood damage. To address this, a bill was introduced mandating that all new homeowners insurance policies must make it clear if they do not provide flood damage. The bill went into effect at the beginning of this year.

Florida homes have about triple the risk of succumbing to the effects of flooding versus other states. When Hurricane Irma tore through Florida in 2017, over three million homes were damaged. As premiums for flood insurance increase, it is imperative that homeowners understand that homeowners insurance and flood insurance are two separate things as most companies do not provide coverage for both.
The start of hurricane season is just a few months away and as we’ve seen in the past,

Mother Nature is highly unpredictable. Make sure you have the proper coverage so you’re ready if a storm like Hurricane Michael or Irma makes its way to South Florida.
This information is provided by Miami insurance lawyer Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with an insurance settlement attorney Miami and receive a free consultation We look forward to working with you.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.