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Flood Insurance in Florida
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Flooding is one of the most common natural disasters in the U.S. You do not have to reside near a river or any source of water to be a victim of a flood. A study has shown that about 32.5% of flood disasters happen in low or moderate risk areas in Florida. Your home insurance coverage does not include damages caused by floods. It is wise to make a point of getting flood coverage from James Harmon Insurance Agency in preparation for this unpredictable disaster. Some of the reasons why you need to consider purchasing flood insurance in Gainesville, FL are:
Flooding is not included in homeowner’s policy
Even if you have purchased home insurance coverage in Florida, this will not cover your home from every type of disaster that could it could face. It does not cater for damages and losses caused by floods, and you should, therefore, have an extra policy specifically designed to protect you against floods.
Everyone is in danger as flooding is unpredictable
Do not assume that just because you live in a low-risk area, you are safe. Flood can happen to anyone and anywhere. Do not leave out any chances as you could be caught unprepared.
Damages caused by flooding can be expensive
A single event of severe water damage can take you back to square one where you owned nothing. It can sweep away everything you own and to replace everything with your own finances can be hard and frustrating. Having an insurance policy saves you from these frustrations and makes things easier for you.
Although some people depend on the help of the federal government, you can only benefit from it if your area is declared a disaster. Also, if you are lucky to get the compensation, it is just a small amount. You will still need to have the policy to recover fully. Contact James Harmon Insurance Agency and learn more about flood insurance in Gainesville, FL. We can help you get started!