Anyone who lives in Florida understands the dangers of hurricanes and other tropical storms that bring heavy rain. Flooding is a common concern that homeowners must prepare for. If you assume that home insurance is all you need, think again. Here are reasons why you should call a reputable company like Fuqua Insurance Agency in Tallahassee, FL, for additional coverage.
Florida is a Flood Haven
Of all the 50 states, Florida experiences the most floods. This is due to the state’s frequent hurricanes, low elevation, and over 1,300 miles of coastline. As a result, even inland areas can be at risk due to other waterways that can flood from intense rains.
Flooding Goes Beyond High-Risk Areas
Those outside of high-risk zones in Florida should also be concerned. Nearly 30% of flood insurance claims come from low-risk areas. Therefore, it’s important always to be prepared with additional flood protection, regardless of where you live in the state.
Climate Change Brings More Floods
Climate change is creating more devastating weather patterns across the globe. Unpredictable and heavy rainstorms are causing sea levels to rise and washing out crops. These weather patterns increase the flood risk even further in areas already at high risk, like Florida.
Home Insurance Doesn’t Include Flooding
Your home insurance doesn’t automatically include flood damage; in fact, most policies exclude it. While home insurance may cover water damage from accidents inside the home, such as busted pipes, it doesn’t cover damage caused by heavy rain, storm surges, or rising water.
Fuqua Insurance Agency is proud to serve homeowners in Tallahassee, FL. Having a flooded home can be a scary thought, but our agents can assist you with the ideal coverage to protect your home. Contact us today for a consultation.
