FLOOD INSURANCE IN FLORIDA

Flood Insurance in Florida: Protect Your Home

Flooding is a common and costly disaster in Florida, with heavy rains, coastal risks, and hurricanes posing a threat to homeowners. Whether required by your lender or not, flood insurance is vital to protect your home and belongings from unexpected damage.

At E&L Insurance, we offer comprehensive flood insurance to safeguard your property from water damage. Our policies cover the structure of your home, personal belongings, and more, so you're prepared for the worst.

Why You Need Flood Insurance in Florida

• Flooding Can Happen Anywhere: Even in low-risk areas, heavy rainfall can cause unexpected floods.
• Homeowners Insurance Won’t Cover It: Standard policies don’t include flood coverage, so a separate flood policy is necessary.
• Florida’s Hurricane Season: Hurricanes and rainstorms bring increased risk—flood insurance can minimize financial impact.
• Storm Surge & Flooding: While hurricanes cause damage through both wind and flooding, it’s storm surge and flooding that account for the majority—typically 50-60% of total damage. Coastal and flood zones are particularly vulnerable during hurricane events due to the destructive power of storm surge.

Flood Insurance in High-Risk Areas

If you live in a flood zone and have a mortgage, you may be required to carry flood insurance. Even if it’s not mandatory, it’s smart to have coverage to protect your home and assets.