The concept of flood insurance can seem complex, but at All Counties Insurance Agency & Traffic School in Palm Coast, FL, we’re here to help.

1. Flood Insurance Is Accessible

Whether you are a homeowner, a renter, or a business owner, qualify for flood insurance through the NFIP or National Flood Insurance Program. There is no need for direct contact with the government; your trusted insurance agent can handle it for you.

2. Your Location Can Make Flood Insurance Mandatory

Live in a high flood-risk area? You will be legally obliged to maintain a flood insurance policy. Similarly, mortgage lenders can request these coverage measures, which can occasionally exceed national government requirements.

3. Your Homeowner’s Insurance May Fall Short

Contrary to common assumption, most homeowner’s policies do not cover flood damage. Should a flood occur, you might find yourself paying for damages out-of-pocket if you lack flood insurance.

4. Flood Insurance and Disaster Relief Aren’t The Same

Disaster relief is typically offered when an area is declared a disaster zone, but funds provided rarely suffice to repair or replace a flood-stricken home. In fact, most disaster relief assistance comes in the form of a loan which requires repayment.

5. Flooding Can Occur Anywhere

Even if you don’t live in a high-risk flood area, it’s still important to consider flood insurance. Floods can happen anywhere, even in areas where flooding has never occurred before.

Secure Your Flood Insurance With Us

Do you need flood insurance in Palm Coast, FL? Contact All Counties Insurance Agency & Traffic School. Our professional agents will help you understand your insurance needs and select the best policy for your specific situation.