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About Florida Flood Insurance

How Florida Flood Insurance Came to Be...

In August 2008, Tropical Storm Fay made history as the first storm to ever make landfall four times in Florida. Fay battered the state for an entire week, with cities from Key West and Cape Romano to the south, Flagler Beach in Central Florida, and Carrabelle in the Panhandle, experiencing landfalls. For the first time in history there were Tropical Storm or Hurricane watches or warnings in effect for the entire Florida coastline. Fay’s winds reached up to 70 mph, generated 11 tornadoes, caused million in damages, and killed 36 people. The entire state experienced severe flooding, with one county alone reporting an estimated 8,000 homes that suffered flood damage.

Melbourne, located in Florida’s Space Coast region, was particularly hard hit. Tropical Storm Fay approached from the south, and then slowly moved east, drenching the entire Melbourne area before leaving the state and returning to the Atlantic Ocean. Fay dumped an incredible 27.65 inches of rain just north of Melbourne, with 11 inches falling in a 24-hour period, an amount that shattered a 50-year rainfall record. Some areas in and around Melbourne actually disappeared beneath five-foot-high flood waters, essentially becoming temporary lakes. The scene was one of such devastation that Governor Charlie Crist personally visited the Lamplighter Village neighborhood of Melbourne to survey the damage. Soon afterwards, the entire state of Florida was declared a Federal Disaster Area by President George W. Bush.

During this time, an insurance agency was busy providing homeowners policies to Floridians. After the storm, the President of the company and the agency staff returned to their offices only to be inundated with phone calls from their customers reporting flood damage. Both the President and the staff experienced the devastation and flooding from Fay firsthand along with their neighbors, and were stunned by the amount of devastation in and around Melbourne. In total, nearly 80 neighborhoods in the Melbourne area experienced flooding, with several hundred homes inundated by as much as 3 to 4 feet of water. Their own offices were surrounded by over 2 feet of standing flood water.

On their first day back in office, they were overwhelmed with hundreds of phone calls from clients, and began the process of assisting their policy holders as the recovery efforts began.

As many people discovered, flooding was not covered by their homeowners insurance policies. Some had either known their policies didn’t cover flood damage and decided to take the risk that their properties wouldn’t flood because they were in a low-risk zone, or they did not realize that homeowners insurance policies did not cover damage caused by flood events since flood insurance coverage was not required by their lender. In fact, 70% of all flood claims that came from the Melbourne, Florida, area were considered to be in low-risk flood zones.

The irony lies in the fact that flood insurance can be obtained for as little as a year for those properties located in low-risk flood zones. As hard work is done to save lives during any disaster, flood insurance is the only protection that will safeguard your most important material assets regardless of whether flood damage results from hurricanes, storm surges, broken levees, or other forms of flooding. Flood insurance will allow you to rest in the knowledge that the price of repairs to your property and the costs of temporary accommodations for your family or business, among other flood-related associated costs, will be taken care of.

We saw a Great Need for Flood Insurance

Tropical Storm Fay made us realize the significance of flood insurance, especially in coastal areas and other likely hurricane zones. Since the President of the company experienced firsthand the devastation, loss, and public misconceptions about flood insurance, he saw the need for a company with not only expert knowledge of flood insurance coverage, but which would also educate the public about flood insurance facts. It didn’t take long for Florida Flood Insurance, Inc. to rise from the waters and begin providing in-depth flood insurance information to homeowners, realtors, mortgage brokers, bankers, and other professionals in Florida, and to offer flood insurance policies underwritten by the company as a direct representative of FEMA.

Once Florida Flood Insurance, Inc. was established as an entity unto itself, it began operations by helping Florida residents with their flood insurance policy needs. It didn’t take long for the President to realize that the same concept would be beneficial on a nationwide basis and that all states regardless of their position to ocean waters have similar flood-related problems based on their own geography and weather-related concerns. A national call center was established and various licenses in applicable states were obtained to form the foundation of National Flood Insurance, LLC.

Now is the time to think seriously about flood insurance and obtain adequate coverage before yet another flood event occurs. Florida Flood Insurance, Inc., through advertising, education, and seminars, hopes to convey the message that flood insurance is a crucial, independent component of a homeowners insurance policy, and that flood insurance must be purchased separately to protect one’s most valuable material assets. Dedicated agents are available to help home and business owners understand the basics of flood insurance, unravel the many misconceptions, and provide the best possible flood insurance options available on the market today. These same agents are extremely knowledgeable and will gladly discuss the facts of flood events, flood damage, and flood insurance even if you are unsure if you need it.

And if you don’t think you need flood insurance coverage, consider this: in a matter of hours, a severe storm can produce flooding extensive enough to cause damage to your house, condo, or business potentially making your home uninhabitable or your business functions below their normal level. It can take months and thousands (if not more) of dollars to repair any damage, and the associated costs like temporary accommodation for your family, business premises, and lost business revenue can quickly add up.

Everyone at Florida Flood Insurance, Inc. is committed to helping with your flood insurance needs and to address any questions or concerns regardless of whether you are the owner of a private home, condo, apartment, or commercial property, or if you are a tenant of such properties. For those professionals who are closely related to flood insurance needs – realtors, mortgage brokers, and title agents, among others – it is imperative that flood insurance coverage is purchased prior to a property’s closing so that your client has the best protection for their new property purchase.

Call 1-888-900-0404 for free information concerning flood zone determination, flood insurance coverage quote, or just to ask questions about flood insurance. Please call us today to ensure you have adequate flood insurance coverage!

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