Get Flood Insurance

Protect your home and belongings from the devastating effects of flooding with flood insurance. Our team at Pinnacle Insurance in Coral Springs is committed to finding the right coverage that offers financial security in the face of unexpected natural disasters. Because your standard homeowners insurance policies typically do not cover flood damage, may need to purchase a separate flood insurance policy if you live in a flood prone area.

Do you need to purchase Flood Insurance

As a condition of the loan, your mortgage lender may require you to purchase flood insurance if you live in designated flood zone area. Otherwise, you are not required by law to purchase flood insurance. However, as of July 1, 2023 the State owned Citizens Property Insurance company requires all their policy holder to purchase flood insurance. Bear in mind that if you are not required to carry flood insurance do not have a mortgage - heavy rains and severe weather can cause costly damages due to flooding.

What does Flood Insurance covers

Structural Damage

This includes damage to the building and its foundation. It covers the cost of repairs to the structure, as well as built-in systems such as electrical and plumbing.

Personal Property

Flood insurance also covers damage to personal belongings within the insured property, including furniture, clothing, appliances, and other valuables. However, coverage for personal property is separate from structural coverage and needs to be specified in the policy.

Essential Systems

This includes coverage for essential systems within the building, such as electrical and plumbing systems, water heaters, and built-in appliances.

Debris Removal

Flood insurance typically covers the cost of debris removal that is necessary as a result of the flood damage.

Relocation Expenses

In some cases, flood insurance may cover the cost of temporary housing or relocation expenses if the insured property becomes uninhabitable due to flood damage.

It's important to be aware of certain limitations and exclusions in flood insurance policies. For example, coverage may not extend to damage caused by a combination of flooding and another event, such as a sewer backup. Additionally, coverage limits may apply, and there may be a waiting period before the policy takes effect, example during hurricane season.

*Be sure to review your policy terms and condition to ensure that what you are expecting is included.

How to get Flood Insurance in Florida:

> Call: 954-306-3333
> Visit our office:

1515 N. University Dr., #207, Coral Springs, FL 33071

> Fill out a Quote Form online

Flood Insurance