Floods seriously damage the structure and belongings of many homes in Palm Coast, FL. Even if you have already consulted with All Counties Insurance Agency & Traffic School about flood insurance, you might not know if your garage is covered by your flood insurance policy.
If you want to make sure that your garage is protected in the case of a flood, here’s what you need to know.
Flood Insurance Covers Buildings & Belongings
Flood insurance covers a variety of different types of damage, including your home’s plumbing, heating, and carpeting. This extends to personal buildings connected to your home, including the garage.
Flood insurance may cover much more than the building itself. In fact, it may also cover many of the items inside your garage too. Items of value, up to a certain limit, may be covered by insurance.
Flood Insurance Has Some Restrictions
Every insurance policy is different. You need to pay close attention to your insurance options to ensure that you do not overlook coverage for detached garages, underground garages, and other buildings on your property.
Additionally, there are some restrictions in place for buildings that are used for commercial purposes. If your home is part of your business or you store commercial items in your garage, this could complicate matters. You should consult with an insurance agent to ensure you’ve covered every situation.
Get More Information
Do you want to learn more about the flood insurance coverage in your area? All Counties Insurance Agency & Traffic School serves Palm Coast, FL and can provide you with more information about protecting your garage against natural disasters, including flooding.