When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage. In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars. If you’re looking for flood insurance in Miami Beach we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse than others. In most situations, you will have a 30 day waiting period when you buy flood insurance, so don’t wait until it’s too late!
Regardless of whether you live in Miami Beach or any other part of Florida, flood insurance has to be purchased as a separate, stand-alone policy. It is not covered by homeowners insurance. Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris. If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
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