Nest Insurance Services Offers Flood Insurance in Florida
Many homeowners and businesses have experienced flooding events that have cost them a significant amount in restoration costs and downtime. Flood insurance is designed to defray some of these costs so that you can get back to your normal activities without a devastating financial loss. At Nest Insurance Services, we can help you understand the coverage offered by flood insurance policies to avoid expensive losses.
Do You Need Flood Insurance?
The state of Florida has a long coastline, with many communities close to water. Hurricanes occur frequently and may cause severe storm surges that can damage home structures and all the contents you normally keep in your home. Heavy rains during hurricanes can even cause inland bodies of water to go over their banks. In some cases, new development can lead to flooding in areas that never experienced it before. Your standard homeowner's policy does not cover flooding that comes from outside the house. Flood insurance provides coverage for water damage to the structure itself, as well as for the contents in your home.
What Flood Insurance Can Cover
Flood insurance will cover many of the essential systems in your home that may be damaged by floodwaters, such as electrical systems, furnaces, water heaters, sump pumps, and air conditioning. It will also cover large appliances, such as refrigerators, ranges, washing machines, and dryers. Carpeting and flooring that may be ruined by floodwater are also covered. Clothing, furniture, and electronics you may have are also covered. Without flood insurance coverage, you would be responsible for replacing these items out of your savings or from additional debts.
Choose Nest Insurance Services for Your Flood Insurance Needs
You may be unfamiliar with flood insurance and have several questions about levels of coverage. We can help with a wealth of knowledge and experience in protecting your property from expensive damage. Contact Nest Insurance Services today for a free, no-obligation quote on flood insurance that can help you be ready to avoid an expensive financial loss when flooding occurs.