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Flood Insurance Florida

Flood Insurance Florida

So you want to know more about flood insurance?

Flooding can be one of the most common damaging natural disasters in Florida that can leave you and your family at great risk. Hire a flood insurance lawyer to go over any suits you may have to take in the future. In Florida, flood risk is higher due to the state’s frequency of storms and proximity to water, hurricane ETA is an unfortunate example of how damaging it can be. 

It’s your responsibility to know that Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance. For more information about what's covered and to find a policy visit 

Hurricane ETA has already devastated many regions in Florida and around the world, so I’m sure you concerned about the process to protect yourself and figuring out the cost of flood insurance in Florida, well it’s important that you meet with one of our public adjusters to go over your flood insurance Florida quotes and discover your options moving forward.

Steps take to make the flood insurance Florida process easier for you:


Why Flood Insurance?


Flood insurance in Florida is a valuable investment needed by everyone that considers themselves responsible:: homeowners, business owners, renters, etc. Depending on the risk of where you live or own a business, as well as the provider you choose when purchasing flood insurance, policies may vary in price. Although the cost of another insurance policy may seem unnecessary, it could save you in the long run from flood damage costs and help you recover faster. Remember: just one inch of floodwater can cause more than $25,000 in damage.

Flood insurance claims are able to be filed at any time that your property may experience water damages due to flooding. 

 Visit: to speak to an adjuster today

The National Flood Insurance Program & Coverage


It is wise to purchase flood and water insurance before it is necessary to use it. Many policies take upwards of 30 days after purchase to take effect. Selective flood insurance can also help.

The National Flood Insurance Program is pre-disaster flood mitigation and insurance protection program designed to reduce the escalating cost of disasters. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. Standard flood insurance by the National Flood Insurance Program predominantly covers physical damages caused by flooding in the limits of the coverage that was purchased prior. 

Remember, any coverage is better than none at all. 

If you were to, unfortunately, be affected by a flood there is no guarantee you will receive government assistance, so keep that in mind. Schedule a meeting with our adjusters to find out where your policy puts you. If your area has not received a Presidential Disaster Declaration, you will not receive assistance. A Presidential Disaster Declaration makes federal assistance available under FEMA. When there is an official Presidential Disaster Declaration, National Flood Insurance Program policyholders are encouraged to apply for FEMA disaster assistance in addition to their flood insurance claim. 

For more information, visit National Flood Insurance Program or call 1-800-621-FEMA, TDD# 1-800-427-5593. 

How to File a Claim


To file a flood insurance claim in Florida, you need to be informed and fully prepared so that you can recover quickly. 

Before a disaster strikes, have updated photos of your home or business so that insurance providers can clearly examine your property and belongings. 

If your property has experienced flood impacts, take extensive photos of damages before cleaning up. This will allow insurance providers to compare before and after photos to determine the extent of damages and arrange the best claim payment possible. As you’re cleaning, make a detailed list of lost or damaged items. 

If you have original receipts for items, hold onto those for documentation in your claim. After gathering all the necessary information, contact your insurance company to begin filing your claim


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About The Author: Raymond A. Altieri, Jr.
Raymond A. Altieri, Jr. - Chairman & CEO

As a property insurance claims professional since 1980, Mr. Altieri leads the firm at Altieri Insurance Consultants in all matters of property claim adjusting and community outreach. His decades of property claim adjusting experience assure the firm’s clients they are well represented, whether they have suffered a multi-million-dollar commercial loss or have lost their home.

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