Statistics say that nearly 70% of Americans live on the coast and may be vulnerable to flooding.
Hudson, FL (PRWEB) July 30, 2011
Local Florida insurance agency, Florian Insurance, Inc. is constantly looking for ways to provide extended value and service to their community. With hurricane season now fully underway, the need to address potential risks, such as flooding, must remain a top priority for homeowners.
Statistics say that nearly 70% of Americans live on the coast and may be vulnerable to flooding. Furthermore, according to the Independent Insurance Agents and Brokers of America homeowners are 26 times more likely to be affected by a flood than a fire. Living on the coast of Florida, certainly increases one’s risk exposures; precisely why Florian Insurance, Inc. has decided to inform the community about their coverage options.
In order to properly educate local residents about the benefits of Florida flood insurance, Florian Insurance, Inc. has compiled a list of helpful hints, tips and statistics guaranteed to get the message across – protect yourself and your home before disaster strikes.
- Assess the risk exposures: flooding is the most costly natural disaster that can hit the U.S., however despite the striking statistics only a mere 1 in 4 homes in high risk flooding insurance carry separate flood coverage. And just because a home may not be located on the coast does not mean it is immune to flooding; on average 1/3 of flood claims happen to be properties outside of flood zones.
- Know the limits of the policy: flood insurance covers damages that result from rising water outside the house; so keep in mind that broken pipes, a faulty, leaking bathtub or sewer back-ups will not be covered. Additionally, finished basements including carpeting, wallpaper or personal belongings are not commonly insured by government-backed flood coverage.
- Don’t wait: while you can buy a FL flood insurance policy at any time, there is a 30-day waiting period after you have initially applied, and paid the premium, before coverage takes effect; so don’t delay, you and your property will regret it when a storm strikes.
With roughly four full months left of hurricane season, Florian Insurance, Inc. encourages Florida homeowners to consider the risk exposure their property faces and think strategically. Securing flood coverage in Florida doesn’t have to be difficult. Have questions about your policy options? Visit Florian Insurance, Inc. online today via the agency’s Virtual Insurance Office for more information.
About Florian Insurance, Inc:
Since 1973, the team at Florian Insurance, Inc. has been dedicated to providing the local community with superior insurance products. Over the years, Florian Insurance, Inc. has developed into an all-inclusive, client-centered insurance brokerage—committed to providing Trinity insurance, Clearwater, Hudson and all of Florida State with the most effective coverage solutions. As one of the area’s most recognized family-run agencies, Florian Insurance, Inc. is proud to serve the diverse insurance needs of Florida individuals, families and businesses.
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