Florida Flood Insurance

Flood Insurance For Your Home

Flooding is considered the highest ranked natural disaster in the United States, according to FEMA. Most people living in Florida think they are not living in a flood zone. Truth is known that Florida as a state is in a flood zone; your exact location varies on the levels of risk. It is said that if you live in a Preferred Risk Zone as determined by FEMA, you could purchase flood insurance for as little as $129.00 a month. Did you know that, homeowners insurance does not cover floodinflood insuranceg in your home or property that is destroyed? The rainy season is here and flooding could happen at any time unexpectedly. As bills are being passed through the senate about flood insurance, now is the time to have your home covered. The Senate bill, SB 542, which was passed last week would aim to give more flexibility to policyholders and private insurers to select various deductible amounts and choose between insuring their property for the outstanding balance of their mortgage, the property’s replacement cost, or the actual cash value. This bill would give the insurance policy holder options.

If you have been thinking about purchasing flood insurance for your home, now is the time. Don’t wait; it takes up to thirty days for your insurance policy to be in effect. Gulf Coast Educators Insurance’s number one priority is the help you. You can call one of our three offices Naples at 239-591-0963, Port Charlotte at 941-391-5423, or Fort Myers at 239-997-0420 for a quote. We look forward to hearing from you.

Protect your Home against Flooding

Flooding is the most common natural disaster worldwide. Protecting your home against flooding and flood damage is very important. Flood damage can get very expensive but the prevention of flooding is far less expensive. Ask yourself this, would you rather help prevent flooding or deal with the consequences later? There are many different things in your home that you should check to prevent flooding, whether from the weather or from pipes located in or around your home.
Leaking pipes in your home are an easy flooding disaster. You should check under sinks, this includes every sink not just the kitchen, to make sure that there are not any slow drips; if there are it could cause flooding. Any slow drips could result in a burst at any time. These small drips should be fixed. Also, your washer machine hose is something that should be changed every three to five years. A bulge or fray in the hose could also cause a flooding problem. A great way to check if you have any leaking pipes anywhere around your home is to check your water meter and to not use any water for an hour, go back and check the meter if the meter reader has changed a leaking pipe maybe be the culprit. You should also know where the water shut off valve is and make sure it is operational.
Even with all the water sources in your home to check you should also be aware of the water that comes from the sky. Outside your home you should check roofs and gutters. Leaking roofs can cause significant damage to the inside of your home and should be fixed immediately. If you do not fix the leaks it could cause mold to grow in your home. When inspecting your roof you should check the shingles for cracks or even broken ones. If you get a new roof put on your home, you should ask for extra protection, you can get a rubber underlay as a waterproof barrier to protect your home from intruding water. You can also keep tree branches cut back from excessively rubbing the shingles. If you don’t already have gutters on your home it would be a good idea to install. They will carry water away from your house so it does not sit. If you have gutters, you should ensure they are free of debris. The debris can build up causing damage.
Although there are many different ways to prevent flooding or flood damage these are few to take into consideration. Just remember that flooding can be caused by more than just rain, but leaky pipes as well.