Living directly on Florida’s Atlantic Coast in Palm Coast, FL, isn’t a prerequisite for experiencing storm surge damage. Inland waterways can also be affected by storm surges when tropical storms and hurricanes strike. With the increasing frequency of these events, it’s crucial to protect your property. All Counties Insurance Agency & Traffic School can guide you on the necessary measures to safeguard your home against storm surges.

Storm Surges Can Reach Far Inland

Residing in a low-lying area, especially near a waterway that drains into the Atlantic Ocean, puts you at risk of storm surge. This event results from a combination of high water levels and strong winds. Storm surges coinciding with high tides can be particularly destructive. Even an inch of water entering your home through a storm surge can cause thousands of dollars in damages. While your homeowner’s policy may cover some hurricane and tropical storm damage, it won’t cover storm surge and flood damage.

Home Protection with Flood Insurance

The most effective way to shield your home from potential storm surges during tropical events is to purchase a flood insurance policy. This coverage is vital in our region, as tropical storms can stall, leading to heavy rains and significant flooding even in areas not designated as floodplains. Flood insurance covers storm surge damage, but with certain conditions. The policy usually doesn’t take effect until 30 days after purchase. Ensure your policy covers internal damage, but be aware that most won’t cover storm surge damage if your plumbing pipes burst. Most policies also don’t cover personal belongings.

To understand the complexities of flood insurance, contact the experts at All Counties Insurance Agency & Traffic School, serving Palm Coast, FL.