Florida is a real potential concern if you live in the Sunshine State. Unfortunately, your West Palm Beach, FL homeowners policy probably does not cover flooding. That does not necessarily mean you can’t get the protection you need. At Atlantis Insurance Inc., we can help give you the information you need to make the best choice for you and your family.
Is It Important Whether You Are In a High-Risk Zone?
There are some areas of Florida which are much higher risk than others. If you live in a high-risk area and have a federally regulated or insured mortgage, you will be required to purchase flood insurance.
If you do not live in a high-risk area, you are still vulnerable to flooding if you live in Florida. People at moderate risk make up a significant number of filed claims, and even those in a lower-risk area may still experience flooding from hurricanes.
Don’t Wait To Get Flood Protection
If you wait until too late to purchase flood insurance, your policy will not cover your current damages. There is normally a 30-day waiting period before your policy officially takes effect. There are some exceptions, but you cannot wait until you actually experience flooding to purchase flood insurance.
If you don’t have flood insurance, a flood could mean disaster for you and your family. Any damages caused by flooding will be your responsibility, even if your entire home is destroyed.
Schedule A Consultation Today
Luckily, flood insurance is surprisingly affordable. Your premium cost will depend on several risk factors, such as the age of your home and your location. If you have any questions about your current level of protection for your West Palm Beach, FL home, please call Atlantis Insurance Inc. today.