Looking for a local insurance company? Contact Most Insurance for a Tampa Home Insurance Quote.

Check out few home insurance FAQs here:

1. Does Homeowners Insurance cover sinkholes?
2. Does Homeowners Insurance cover foundation settling?

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No, it does not. You need to have a separate policy for any flooding that might happen. Flooding is defined by all rising water. Water that comes down from the sky…that is not flooding. But if it causes a big puddle and seeps into your house, it is flooding.

Do you need a flood insurance policy?

Yes! There are floods that happen all the time all over the country. Now you are told by your mortgage broker that you’re not in a flood zone and you do not have to have flood insurance. Everybody in the country is in a flood zone.

You just might be in a preferred risk flood zone which means the cost is going to be significantly less. You’re less likely to have a claim, but 38% of all flood claims happen nationwide in a preferred risk flood zone.

It’s going to happen. You need that flood insurance policy to protect you from any rising water.

So talk to an independent agent they will be happy to help you with a Tampa Flood Insurance Policy.

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Here is the deal, everybody in the entire country is in a flood zone. You might just be in a preferred risk flood zone. A preferred flood zone means that your cost is really really really reduced. So, do you need a flood policy even if you’re in a preferred risk flood zone? Absolutely. Nationally, 38% of all flood claims happen in preferred risk flood zones. In Florida, that number is significantly higher.

You should get flood insurance even if you live in a zone that you’re not required to have flood insurance by your mortgage lender. For a $250,000 policy for your dwelling, the exterior of the house, and with $100,000 worth of contents, the cost is less than $400 a year. So get that flood insurance policy. You will be surprised by the number of claims that are made and then are not covered because of flooding.

Flooding is defined as all rising water. So it’s not going to happen when the rain is coming down, your covered. But when that water floods, when it breaks the river, breaks the levee, and comes in…you’re not gonna have coverage if that water has raised up and has flooded your house.

So go out there, get a Florida Flood Insurance Policy.

Hope this helps. Have a good one!

The post I am not in a flood zone, so do I really need flood insurance? appeared first on Most Insurance.

So what do you have planned?  Are you ready if a big one does comes to the Tampa Bay area?  Think that it can’t happen, well it has before.  1921, we had a major Hurricane Pass through this area. The local EOC are planning for when not if a big storm comes through the area.

Please give me feedback about how you are getting ready.  I know that yesterday I got our generator fired back up, making sure that it works, and will be ready if we don’t have power.  My wife and I keep water on hand, batteries, candles, a gas powered stove to cook on.  I also just brought my 4 wheel drive jeep back to town, which allows me to drive pretty much anywhere.  A big storm coming, my wife and I are heading out of town, first we will go to Temple Terrace where my brother lives,  because we live very far south in South Tampa.

Please post up a comment about how you are prepared.

The Tampa Bay Catastrophic Plan website

The Most Insurance Agency has created a Disaster Preparedness Center to help clients handle any kind of disaster.  You can sign up to get updates emailed to you as things progress.

If you experience any loss, please contact our Claims Advocates, we are here for you.

Remember if you need to call us, our number is 813-347-5555. Know more about our Tampa Insurance policies.

– Eric Most

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