Flood Insurance

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As a home or condo owner, you may think your homeowners insurance has you covered from most natural disasters; unfortunately, it doesn’t. Should a natural flooding event occur you may not be covered if you do not have a flood insurance policy in place.

At Space Coast Insurance Agency, we know you value your personal property and keepsakes. Unfortunatly, without a flood insurance policy to cover the cost of replacing your valuables from most flood-related damages you could be unprotected.

Flood insurance is available through the federal government’s National Flood Insurance Program, however, it’s a better bet to purchase a flood insurance policy from the same agent or company who provides you with your home insurance. Here’s why: your agent or current insurance company can provide much higher limits of coverage than the NFIP, especially if your loss proves to be catastrophic. There is usually a 30-day waiting period before this type of insurance becomes valid so, now is the time to get your flood insurance policy in place.

Before a Flood

  • Prepare an emergency kit and make a family communications plan.
  • Avoid building in floodplains unless structure is elevated and reinforced.
  • Elevate the furnace, water heater and electric panel.
  • Consider installing “check valves” to prevent floodwater backups.
  • Construct barriers to stop floodwater from entering the building and seal walls in basements with waterproofing compounds.

Driving Tips

  • Six inches of water will stall or cause control issues in most passenger vehicles.
  • A foot of water will float many passenger vehicles.
  • Two feet of rushing water can carry away most passenger vehicles including SUV’s and pick-ups.
  • Never attempt to drive through a flooded road, depth is not always obvious and the roadbed may be washed away under the surface.
  • Do not drive around barricades.
  • Do not try to take short cuts and stick to designated evacuation routes.
  • Avoid driving at night when it is harder to recognize flood dangers.