[cs_content][cs_section bg_image=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/Miami-beach-flood-background-compress.jpg” bg_color=”#ffffff” parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 60px 0px 35px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 0px;”] [/cs_column][cs_column bg_color=”hsla(0, 0%, 100%, 0.9)” fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ class=”cs-ta-left” style=”padding: 15px 30px 30px;”][x_custom_headline level=”h1″ looks_like=”h4″ accent=”false” class=”cs-ta-center”]FLOOD INSURANCE[/x_custom_headline][cs_icon_list style=”padding-left: 24%;”][cs_icon_list_item title=”Same day quotes” type=”clock-o” link_enabled=”false” link_url=”#” link_new_tab=”false”]Same day quotes[/cs_icon_list_item][cs_icon_list_item title=”Plans to fit your needs” type=”automobile” link_enabled=”false” link_url=”#” link_new_tab=”false”]Plans to fit your needs[/cs_icon_list_item][cs_icon_list_item title=”Top-rated carriers” type=”signal” link_enabled=”false” link_url=”#” link_new_tab=”false”]Top-rated carriers[/cs_icon_list_item][/cs_icon_list][x_creative_cta padding=”10px 5px 10px 5px” text=”Get a quote!” font_size=”36px” image=”https://weinsuregroupmiami.com/wp-content/uploads/2016/11/we-insure-group-miami-logo.png” image_width=”140px” animation=”slide-top” link=”#” color=”” bg_color=”#ff6000″ bg_color_hover=”#012075″ id=”homequote2″ class=”homequote2″][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 25px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ class=”cs-ta-left” style=”padding: px 60px 0px;”][cs_text class=”cs-ta-justify”]Floods are the most common natural disaster in the United States. Yet few homeowners are covered. Don’t be caught unprepared. It is important to protect yourself from financial ruin from an unforeseeable accident. Let We Insure present you with a coverage option that best meets your needs.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/1″ style=”padding: 0px 0px 10px;”][x_custom_headline level=”h2″ looks_like=”h3″ accent=”false” class=”cs-ta-center”]Am I covered?[/x_custom_headline][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 15px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/1″ style=”padding: 0px 0px 10px;”][cs_text class=”cs-ta-justify”]Many people believe flood insurance is covered under their homeowner policy. The fact is, your homeowner insurance policy DOES NOT cover flood damage, it is a separate coverage. It is regulated by the National Flood Insurance Program (NFIP) and is provided through the Federal Emergency Management Agency (FEMA).
For whatever reason, if a homeowner finds out their home is in a “Preferred” low to moderate risk area, they generally do not purchase flood insurance. They assume they are safe from a loss.
[/cs_text][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#012277″ parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 25px 0px 10px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h3″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]Consider this…[/x_custom_headline][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#012277″ parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 5px 0px 45px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ style=”padding: 0px;”][cs_text]Nearly 25% of the National Flood Insurance Program’s claims come from people with property in “preferred” low to moderate risk areas, according to federal estimates.
FEMA has designated the entire State of Florida as a flood zone with varying levels of risk. Just because your property is located in a “Preferred” low to moderate risk area does not mean you should exclude flood insurance coverage.[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ class=”cs-ta-center” style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/Picture-South-Florida-Flood-Area.jpg” alt=”south florida flood area map” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”height: 12em;”][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 20px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h5″ looks_like=”h3″ accent=”false” class=”cs-ta-center”]What is covered?[/x_custom_headline][cs_text style=”margin: 15px 0;”]
[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 10px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/3″ style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/flood-insurance-miami.jpg” alt=”flooded home ” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”margin-bottom: 20px;”][/cs_column][cs_column fade=”false” fade_animation=”in-from-right” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ class=”cs-ta-left” style=”padding: 0px;”][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false” class=”cs-ta-left” style=”padding: 0;margin: 0 0 12px;”]Home[/x_custom_headline][cs_text class=”cs-ta-left”]Claims are settled using replacement cost coverage (no deduction for depreciation) if you’re insuring a single-family home that is your primary residence and you purchase coverage of at least 80% of the replacement cost of the subject building, but no more than the maximum ($250,000) amount of insurance coverage available under the NFIP.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 10px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in-from-left” fade_animation_offset=”45px” fade_duration=”1450″ type=”2/3″ style=”padding: 0px 30px 0px 0px;”][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false” class=”cs-ta-left”]Contents[/x_custom_headline][cs_text class=”cs-ta-left”]Claims are settled using actual cash value (cost to replace your damaged property, reduced by an allowance for depreciation).
Remember:
Newly issued flood policies carry a 30-day waiting period, so do not wait for the next storm to purchase your policy.[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in-from-right” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ class=”cs-ta-left” style=”padding: 0px 0 0px 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/11/water-restoration-portland-carpet-cleaning.jpg” alt=”flooding in living room of coastal home” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”margin-bottom: 20px;”][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 10px 0px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in-from-left” fade_animation_offset=”45px” fade_duration=”1450″ type=”1/1″ style=”padding: 0px 30px 0px 0px;”][x_custom_headline level=”h6″ looks_like=”h4″ accent=”false” class=”cs-ta-center”]The bottom line:[/x_custom_headline][cs_text class=”cs-ta-center” style=”font-size: 30px;”]If you live in Florida, you should purchase a flood insurance policy.[/cs_text][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”false” marginless_columns=”true” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”<em>Ask me about “EXCESS” flood insurance.</em>” font_size=”48px” icon=”arrow-right” icon_size=”48px” animation=”slide-right” link=”/contact-us/” color=”#ffffff” bg_color=”#ff6000″ bg_color_hover=”#ff6000″ class=”quote”][/cs_column][/cs_row][/cs_section][cs_section bg_color=”#012070″ parallax=”true” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ class=”cs-ta-center” style=”margin: 0px;padding: 25px 0px 15px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_custom_headline level=”h4″ looks_like=”h3″ accent=”false” class=”cs-ta-left”]We have all heard the stories[/x_custom_headline][/cs_column][/cs_row][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 20px 0px 15px;”][cs_column bg_color=”#012070″ fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”2/3″ style=”padding: 0px;”][cs_text class=”cs-ta-left”]In May 2015, a Texas storm caused severe flooding. Mark Hanna, spokesman for the Insurance Council of Texas, which represents 500 insurance companies said: “I think less than half of the homeowners affected had flood insurance.”
Or consider Hurricane Joaquin in South Carolina and what has been described as an historic flood. “Just 10 percent of homeowners in South Carolina, which has suffered a historic deluge, carry flood insurance.” said Russ Dubisky, executive director of the industry-funded South Carolina Insurance News Service.
The stories were the same after the widespread flooding associated with Hurricane Katrina in 2005, the Mississippi floods of 2011 and Hurricane Irene and superstorm Sandy in 2012. Thousands of homeowners had no flood coverage resulting in severe financial losses to these homeowners.[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 0px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/highway-flooded-in-texas.jpg” alt=”texas storm flooding on highway” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=”” style=”padding-bottom: 20px;”][x_image type=”none” src=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/street-flooded-in-south-carolina.jpg” alt=”hurricane joaquin flooding in south carolina” link=”false” href=”#” title=”” target=”” info=”none” info_place=”top” info_trigger=”hover” info_content=””][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 0px;”][cs_row inner_container=”false” marginless_columns=”true” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px;”][x_creative_cta padding=”25px 25px 25px 25px” text=”<em>Let's talk. Get a FREE quote.</em>” font_size=”48px” icon=”arrow-right” icon_size=”48px” animation=”slide-right” link=”#” color=”#ffffff” bg_color=”#ff6000″ bg_color_hover=”#ff6000″ id=”homequote2″ class=”homequote2″][/cs_column][/cs_row][/cs_section][cs_section bg_image=”https://weinsuregroupmiami.com/wp-content/uploads/2018/06/we-insure-contact-bg-compress.jpg” parallax=”false” separator_top_type=”none” separator_top_height=”50px” separator_top_inset=”0px” separator_top_angle_point=”50″ separator_bottom_type=”none” separator_bottom_height=”50px” separator_bottom_inset=”0px” separator_bottom_angle_point=”50″ style=”margin: 0px;padding: 15px 0px;”][cs_row inner_container=”true” marginless_columns=”false” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/2″ style=”padding: 20px 0px 0px;”][x_google_map api_key=”” lat=”25.708081″ lng=”-80.283374″ zoom=”12″ zoom_control=”false” drag=”false” height=”375px” hue=”#012070″ no_container=”false” ][x_google_map_marker lat=”25.708033 ” lng=”-80.283364″ start_open=”false” info=”” image=”https://weinsuregroupmiami.com/wp-content/uploads/2015/10/marker1.png”][/x_google_map][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/3″ style=”padding: 0px;”][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Find Us.[/x_custom_headline][cs_text]1550 Madruga Ave #330
Coral Gables, FL 33146[/cs_text][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Call Us.[/x_custom_headline][cs_text](786) 801-3514[/cs_text][x_custom_headline level=”h4″ looks_like=”h4″ accent=”false”]Email Us.[/x_custom_headline][cs_text style=”margin-bottom: -15px;”]info@weinsuregroupmiami.com[/cs_text][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/6″ style=”padding: 0px;”][x_gap size=”50px”][/cs_column][/cs_row][/cs_section][/cs_content]