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Flood Insurance Information
Birchell Insurance Agency- serving all of Florida since 2000.
See our interview "5 Important Flood Insurance Facts" on Florida Homes, a top site for Florida real estate; CT realty, RI properties & Orlando, FL homes for sale.
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.
Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.
We are also members of the Florida Marketing Assistance Plan or "FMAP". FMAP is a free referral service designed to match consumers who cannot find property insurance, with Florida licensed agents and insurers who are writing new business.
FMAP was created by the Florida legislature in 1985 as a service organization
designed to assist consumers in obtaining property and casualty insurance coverage from authorized insurers in the private market. At Birchell Insurance Agency we focus on our clients and doing the right thing"right"!
You can also call us at Birchell Insurance Agency at 800-978-8813 or visit our website at http://www.birchellins.com.