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Why Get Flood Insurance Today

By Author: John Perry Insurance
Total Articles: 4

It makes sense for you to wonder about flood insurance in Fort Myers and flood insurance Clewiston, Southwest Florida. What exactly are the benefits of flood insurance? Should you purchase flood insurance for your home or business? If you live in Fort Myers and Clewiston or anywhere near Southwest Florida, flood preparation seems to be at the forefront of many homes and business owner’s minds.

One key element of flood preparation is the purchase of flood insurance in Southwest Florida and nearby cities, yet many businesses and residents stubbornly refuse to purchase flood insurance. At John Perry Insurance, we’re here to explore the benefits of flood insurance in Fort Myers and Clewiston; it just might be the right choice for you.

Flood Insurance Can Save You Thousands

According to the National Flood Insurance Program (NFIP), flooding is the top natural disaster in the U.S.; the average flood claim was over $40,000. Can you imagine? If your home or business were to experience flooding, it could potentially cost you tens of thousands of dollars to repair. Most of us just don’t have that kind of money to cover that high of a bill, and yet when it’s your home, you have no choice. You must either repair the damages or find a new home. With flood insurance, the cost of repairs becomes much more manageable.

Typical Homeowner’s Insurance Does Not Cover Floods

All right, so you have homeowner’s insurance. That’s good enough, right? Wrong. You need to invest in a specific flood insurance policy.

NFIP is a federally run flood insurance program that offers two different plans: one that covers up to $250,000 in home or property damages, and the other that covers up to $100,000 in personal belongings damages. You can enroll in one or both policies for maximum coverage.

If you need more coverage, there are always privately run insurance companies that can provide you with a separate policy for flooding. Keep in mind, however, that most flood insurance plans have a 30-day waiting period, meaning that you cannot make any flood claims until 30 days after you’ve signed up, so if a hurricane is coming, too late for you.

How Much Will Flood Insurance Cost Me?

The cost of flood insurance in Southwest Florida really depends on many factors, contact John Perry Insurance for your full options.

If you were to go for the maximum coverage options from NFIP, you will have a locked premium with coverage limitations.

If you’re interested in only ensuring a small portion of your belongings, or you don’t expect your home to completely flood, then you can enroll in one of the lower coverage tiers from NFIP. To get $20,000 in property damage coverage and $8,000 in personal belongings coverage, you can expect to pay about $200 in annual premiums.

Is Flood Insurance in Southwest Florida Worth It?

So, is flood insurance Fort Myers, flood insurance Clewiston worth it? For much of the county, absolutely! At John Perry Insurance, we have seen first and just how devastating flood damage can be. For many homeowners who neglect to invest in a policy that covers flooding, paying for out-of-pocket damages can be a challenge at best. You won’t regret purchasing flood insurance when you come home to a flooded house and $40,000 worth of damages.

If your home has already experienced flood damage and you own a flood insurance policy, then you’re in the right place. A proactive flood insurance policy plan and understanding that policy is critical when faced with a flood-related claim. The team at John Perry Insurance is experienced in preparing your flood insurance policy to cover this unexpected devastation. In most cases, it’s your flood insurance that even would cover such disasters such as a sewer line backing up into the house. Call us 863-777-4966 today for a consultation and quote for Fort Myers, LaBelle, Cape Coral, Bonita Springs, Okeechobee, and Clewiston, Florida. We welcome your call.

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