Personal Flood Insurance
Flood Insurance in Sarasota, FL
Homeowners are forced to rely on inadequate drainage systems to keep their property from flooding.
Floods are the #1 natural disaster.
Three disturbing trends have diminished the land’s natural ability to absorb water:
- Changing weather patterns
- Mass development in urban areas
People who live in flood plains are four times more likely to have a flood than a fire during their 30-year mortgage. (Source – NFIP) Flooding is not covered in your homeowners policy. Only flood insurance protects your home and belongings from damage caused by rising water, debris, and mudslides.
Flood losses can occur in any flood zone. Zones A & V are considered special flood hazard areas and are exposed to storm surges from the Gulf and rivers. Zones B, C, & X are considered non-special flood hazard areas. When slow moving storms impact a region, heavy rains saturate the ground and fill drainage systems in excess of their capacity creating a flood. These storms can impact all flood zones whether hazard or non-hazard. Be prepared.
Don’t wait until the rain starts falling; call today. The National Flood Insurance program has a standard 30 day wait on new policies, unless required by your mortgage company.