Anyone who lives in Tallahassee, FL, understands that hurricanes and strong tropical storms are a regular threat. For many homeowners, a standard homeowners insurance policy may not provide enough protection against all types of storm-related damage. Fuqua Insurance Agency can help you determine whether flood insurance is an important addition to your coverage during tropical weather events.
Wind Damage vs. Flood Damage Coverage
Insurance companies categorize water damage differently depending on how the water enters your home. Most homeowners insurance policies cover water damage when wind causes an opening in the structure. For example, if strong winds break a window or tear off part of the roof and rain enters the home, that resulting water damage is typically covered.
However, water damage caused by rising water, such as storm surge or river overflow, is not covered by standard homeowners insurance. Flood insurance is designed to cover damage from rising water that affects two or more properties, including storm surge that moves inland from the ocean or travels upriver.
How Storm Surge Can Impact Inland Tallahassee
Even homes located inland in Tallahassee, FL, can be affected by storm surge during major tropical systems. The area is vulnerable to secondary surge effects, including river backflow, local topography, and soil conditions.
Without flood insurance, water that backs up into homes along rivers or low-lying areas is not covered, leaving homeowners responsible for costly repairs. Adding a flood insurance policy can help provide financial protection for these types of losses.
Where Flood Damage Commonly Occurs
Homes near rivers that drain into the Gulf of Mexico can experience significant flooding when tropical storms push water back into the St. Marks River or the Ochlockonee River. Tallahassee’s clay-heavy soil and sinkhole-prone terrain limit natural drainage, which can worsen flooding and prolong standing water.
If your Tallahassee, FL, home does not currently have flood insurance and you would like to include it as part of your overall home protection plan, contact Fuqua Insurance Agency. Our team is ready to help you review your options and secure the coverage you need.
