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Is Flood Insurance Separate from Home Coverage in Miami, FL?

Flood insurance is separate from home insurance in and around Miami Beach, FL. This insurance is required to purchase a home in the state’s flood-prone areas. 

Are Any Floods Covered With Home Insurance?

Home insurance policies cover certain flood situations. For instance, water damage due to a broken pipe. In some cases, they could pay for issues related to tornadoes, hurricanes, or other wind-related conditions that cause property damage. 

However, floods caused by nearby overflowing tributaries aren’t handled in a standard home policy. Therefore, homeowners in Miami Beach, FL must purchase flood insurance. 

Can You Purchase a Home Without Flood Insurance?

You can purchase a home without flood insurance. Yet, you can’t close on the mortgage if you don’t have a policy. In many agreements, evidence of flood and home insurance is required to move forward. 

How do I Know How Much Insurance to Get?

Work with your local insurance company to determine the value of your flood insurance policy. They will examine factors that include your property’s square footage, its vicinity to water tributaries, and the history of flood damage in the area. They’ll determine the proper amount of underwriting from these data points.

Don’t undervalue your flood insurance. In other words, don’t try to save money by lowering the coverage amount. Insurance companies come up with those numbers to provide an adequate payout for your home’s interior, exterior, and furnishings. 

There’s much to consider when selecting a flood insurance policy. Don’t go it alone and risk undervaluing your home. Reach out to a subject matter expert at Assure-Us to get your questions answered. 

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