Affordable Florida Flood Insurance Wayne Lucas Insurance

AFFORDABLE FLOOD INSURANCE QUOTES

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FLOOD INSURANCE

Floods can come without warning, let us make sure you're protected!

Flood Insurance is not included in a homeowners insurance policy and if you live in a flood zone, you will be required to obtain flood insurance. However, even if you don’t live in a flood zone, it’s still highly recommended to get Flood Insurance in Florida. Flood insurance is the only way to fully ensure your home and personal belongings are protected against water damage caused by floods, groundwater, and more.

As an Independent Insurance agency, we represent top rated insurance carriers in Florida. Our agents will work with you to go over your unique flood risks and coverages to consider. Then, we work on finding you the best coverages available with the lowest rates possible. Let John Galt Insurance work for you!

PROTECT YOURSELF FROM THE UNEXPECTED WITH FLOOD INSURANCE

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WHY CHOOSE AN INDEPENDENT INSURANCE AGENT?

John Galt Insurance is a Florida Independent Insurance Agency which means you have the power to choose! More importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, We work for you and not the insurance carriers.

With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida Flood Insurance, you can rest assured we can take care of all your insurance needs.

COVERAGES

WHAT IS FLOOD INSURANCE?

Having Flood Insurance can help you save thousands. Flood Insurance covers damage to your property, other structures and your personal belongings that occurs due to rising waters and flooding. Standard home insurance policies can cover water damage from internal sources, like when a pipe bursts, however, it does not cover damage caused by floods. Only flood insurance can cover that that.

Floods occur when two or more acres of normally dry land are inundated by water or mudflow. And floods actually happen more often than you might think. That’s why it’s highly recommended to purchase a flood insurance policy, especially if you live in Florida!

Homeowners insurance, condo insurance and renters insurance policies typically cover dwelling damage that comes from the top down; like rain and wind damage, or originates inside like fire or burst pipes but it doesn’t cover rising water and flooding.

In Florida, There may be a waiting period for your flood policy to take effect. For Instance, there is a 30-day waiting period for the National Flood Insurance Program (NFIP) flood insurance policies to become effective. This is why you should never wait until you see a big storm coming or wait until hurricane season to obtain flood insurance for your home, apartment or condo.

WHAT DOES FLOOD INSURANCE COVER?

Flood insurance protects two types of insurable property:

Building – This covers your actual building.

Contents – This covers your possessions.

However, neither one covers the land they occupy.

Building Coverage includes:

The insured building and its foundation

Permanently installed carpeting over unfinished flooring

The electrical system and plumbing system

Central air conditioning equipment, water heaters, and furnaces

Refrigerators, stoves, and built-in appliances like a dishwasher

Contents Coverage includes:

Clothing, furniture, and electronic equipment

Curtains, rugs, mirrors

Portable and window air conditioners

Portable microwaves and dishwashers

Clothing washers and dryers

FLOOD INSURANCE QUOTES MADE EASY

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First Name

Last Name

Phone

Zip

Street Address

City

State

Zip

Personal Property Amount

Dwelling Amount

Do you have an active Flood Policy?

Tell us about your situation?

You have questions, we have answers!

FREQUENTLY ASKED QUESTIONS

What is covered in a Florida Flood Insurance policy?

Personal property (Clothing, furniture, and electronic equipment)
Appliances (Refrigerators, stoves, washers, and dryers.)
Electrical, heating, cooling, and plumbing systems.
Built-in bookcases, cabinets, and paneling.
A detached garage.
Foundation, walls, anchorage systems, and staircases attached to the structure.
Valuables, like artwork and furs (Up to $2,500 in value)
Can also offer coverage for groundwater seepage, mudslides, and floods caused by broken water mains.

Is Flood Insurance Required in Florida?

Flood insurance is required for some people but not everyone. It depends on where you live and what your mortgage situation is like. For instance, if your home is in a high-risk flood zone or if you live in near a body of water and you have a mortgage through a federally backed lender, you’ll be required to have flood insurance.

You may be not be required to have flood insurance but virtually every property in Florida should carry flood insurance to protect against the damage caused by rising bodies of water.

What are my Flood Insurance Options?

In the past, the National Flood Insurance Program (NFIP) was the only source to obtain flood insurance. Recently, the has been more private flood products available.

Currently, Here are three ways to get a flood insurance policy in Florida:

National Flood Insurance Program (FEMA)
Private markets
By Endorsement/Add on to your current Homeowners Policy

Are floods common in Florida?

Flooding happens more often that we realize. Floods are the most common type of natural disaster in the world with over 40% of natural catastrophes involving flooding.

What is an Elevation Certificate?

An elevation certificate (EC) is a document that is prepared by a licensed surveyor. This will include the FEMA’s Flood Insurance Rate Map, flood elevation, flood zone, and other details about the building.

When should I get Flood Insurance?

You’ll want to get flood insurance before you need it. There is no insurance policy will retroactively cover flood damage you already have, so it’s important to have flood coverage in place before a disaster strikes. Consider purchasing flood insurance well before flood and hurricane seasons begin.

If you’re looking at flood policies during hurricane season, be aware that a tropical storm warning may delay your ability to purchase coverage if there’s a moratorium.

Typically, Flood Insurance is effective as soon as you buy it, but National Flood Insurance Program policies don’t take effect until 30 days after purchase. Keep those timetables in mind when shopping.