[cs_content][cs_section parallax=”false” style=”margin: 0px;padding: 45px 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_video_embed no_container=”false” type=”16:9″][/x_video_embed][cs_text]Flood Insurance is gaining more and more popularity, with the increasing risk of floods related to heavy rainfall or storms. Regions with swamps and slush covered areas are prone to be affected by floods. With a larger number of bodies of water, such as rivers and creeks, these places are more susceptible to flooding. In these types of regions, it is critical to have a Flood Insurance policy.[/cs_text][cs_text]With Florida a great target for storms from the Atlantic, the area is in serious danger from floods. According to the National Flood Insurance Program (NFIP), property in these regions is at equal risk of the floods and related damages, which is why flood insurance is crucial.
There are some home insurance policies available on the market, which like any other policy, offers damage coverage in the event of disasters, such as fires and hurricanes. But what these companies do not offer is flood insurance policies. This means that you have to have supplemental coverage for your property in the case of flood-related damage.
But before getting an Insurance Plan, you need to know about all of the misconceptions and myths surrounding Flood Insurance:[/cs_text][x_custom_headline level=”h2″ looks_like=”h3″ accent=”false”]Myths About Flood Insurance Plans:[/x_custom_headline][cs_text]Here are the myths about the flood insurance plan that are often considered to be true:[/cs_text][x_feature_list][x_feature_box title=”You must live in a flood plain to have a Flood Insurance Policy:” title_color=”” text_color=”” graphic=”icon” graphic_size=”60px” graphic_shape=”circle” graphic_color=”hsl(23, 100%, 50%)” graphic_bg_color=”hsl(224, 98%, 23%)” align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”close”]This is a common misconception that people only people living in flood plains or zones can have flood insurance. It is true to some extent, as residents of flood zones like Miami are more prone to flood-related risks and damages. Living near a flood zone puts every home and property at risk for damage. So you must own a flood insurance plan, even if you are not living in a flood zone.[/x_feature_box][x_feature_box title=”Flood insurance covers everything:” title_color=”” text_color=”” graphic=”icon” graphic_size=”60px” graphic_shape=”circle” graphic_color=”hsl(23, 100%, 50%)” graphic_bg_color=”hsl(224, 98%, 23%)” align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”close”]Another common misconception about flood insurance: It covers everything. While flood insurance does cover all water related losses and flood-related damages, it does not cover domestic water damage, such as a broken pipe or water main. There are companies that provide different values related to flood insurance plans. Most of these companies offer loss coverage at the value of about $350 million. All other losses must be covered out of the homeowners’ pocket.[/x_feature_box][x_feature_box title=”Homeowner policies cover everything:” title_color=”” text_color=”” graphic=”icon” graphic_size=”60px” graphic_shape=”circle” graphic_color=”hsl(23, 100%, 50%)” graphic_bg_color=”hsl(224, 98%, 23%)” align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”close”]The last on this list, but most common misconception about flood insurance is that regular home insurance policies cover all related losses on a property. This is not true at all, as a flood insurance policy is a separate, related policy that covers outside disaster-related damage, not domestic damage. [/x_feature_box][/x_feature_list][/cs_column][/cs_row][/cs_section][cs_section parallax=”false” style=”margin: 0px;padding: 45px 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_map no_container=”false”][/x_map][/cs_column][/cs_row][/cs_section][/cs_content]