Flood Insurance, Ocala Flood Insurance, Gainsville FL Flood Insurance, Lady Lake FL Flood Insurance, Silver Springs FL Flood Insurance ,Ocala Florida Flood Insurance

Flood Insurance for Ocala Florida

Do you need flood insurance and are you in a flood zone? Truth is everyone is in a flood zone, it’s just that some areas are more prone to flood’s than others. Obviously the family living on top of the mountain probably only has to worry about a biblical event and in that case we are all going to down with the ship so who cares whether you have flood insurance or not. All joking aside, floods happen in all 50 states and 25% of claims come from areas that are not considered high risk and guess what does not cover a flood claim……your homeowner insurance policy. Here at Marko Insurance Agency, Inc. we walk you thru the steps to evaluate what kind of risk you have to flood.

Florida has many rivers and tributaries that are perfect targets for floods. A flood can develop within a matter of minutes and before you know it your house is inundated with water and the carpet and drywall is ruined and then mold sets in. The aftermath leaves your belongings, which were once in your front yard, a block down the street in the neighbors rose bushes.

So, what does flood insurance cover?

Building Property

• The insured building and its foundation
• Electrical and plumbing systems
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring
• Permanently installed paneling, wallboard, bookcases, and cabinets
• Window blinds
• Detached garages (up to 10 percent of Building Property coverage) Detached buildings (other than garages) require a separate Building Property policy
• Debris removal

Personal Contents Property

• Personal belongings, such as clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwave ovens and portable dishwashers
• Carpets that are not included in building coverage
• Clothing washers and dryers
• Food freezers and the food in them
• Certain valuable items such as original artwork and furs (up to $2,500)

What's Not Covered:

• Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
• Currency, precious metals, and valuable papers such as stock certificates
• Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
• Living expenses such as temporary housing
• Financial losses caused by business interruption or loss of use of insured property
• Most self-propelled vehicles such as cars, including their parts

Live in or near a High-risk Flood Area? Not Sure?

Preparation is key when it comes to keeping your home and your possessions out of deep water. While the National Flood Insurance Program establishes flood insurance rates, I can take you through your options and help you understand the risk in your area. I’m always available to answer any questions you might have about your policy and provide flood prevention tips.

Marko Insurance Agency, Inc. a local Florida Insurance Agency, offering affordable Flood Insurance in Ocala, Gainsville FL, Lady Lake FL, Silver Springs FL