![]() ![]() NFIP’s mission is to help people before, during, and after flood disasters. The program provides priceless aid for those facing the financial hardships of flooding. ![]() How the National Flood Insurance Program (NFIP) Worksįortunately, the NFIP has protected American homes and businesses, and their contents, since 1968. And no community can escape the realities of poor drainage systems, neighborhood construction that can inhibit natural runoff, and broken water mains. Not to mention, the relatively flat terrain of our state means rising rivers tend to spread water further out from riverbanks. Even if you don’t live along a coast, river, dam, or levee, you may not be safe from flooding. The Florida Division of Emergency Management reports that flooding is one of Florida’s most frequent hazards, calling it “a coast-to-coast threat that can occur at any time of the year.”ĭon’t underestimate the power of hurricanes, tropical storms, heavy rain and flash floods. Plus, its financial consequences can be staggering. The devastation it brings to all 50 states is not typically covered by homeowners insurance policies. All coverage types are subject to availability and qualifications.Protect Your Home and Business Against Flooding Through the National Flood Insurance Program and Farm Bureau Insurance Flooding in Floridaįlooding is the most common natural disaster in America. This information is only a general description of the available coverage and is not a contract. Boat and ATV (All Terrain Vehicles) Endorsement: This endorsement may be right for you if you would like to purchase physical and/or liability coverage for a small boat or an all-terrain vehicle.Your local Farm Bureau Insurance agent can review your policy limits and help you determine if a personal property floater is right for you. Personal Property Floater Endorsement: This floater provides additional coverage over what is provided for within your homeowner's policy for valuable items, such as jewelry, silverware, and guns.Consider purchasing a separate flood or earthquake policy. Earthquake and Flood Insurance: A homeowner's insurance policy typically does not cover losses resulting from flood damage or from earthquakes.Umbrella Policy: Depending on your financial situation, you may need to consider purchasing an excess liability policy, also called an umbrella policy, to protect your personal assets.Medical Payments to Others coverage pays reasonable and necessary medical expenses to anyone who is injured while at your home and who does not live with you. If someone is injured or their property is damaged while they are at your house, Personal Liability Coverage helps protect you and your family against a claim or lawsuit. Loss of Use covers additional living expenses (up to the limits of your specific policy) if your home becomes uninhabitable due to a covered loss. If your home is damaged by a covered loss and deemed unlivable, you'll need to find another place to live while your home is repaired. Be sure to discuss your policy limits with your local Farm Bureau Insurance agent to determine if you may need to raise the limits for your personal property. The items inside your home are covered under your homeowner's policy under Personal Property Protection. Your personal property – like furniture, artwork and other possessions – is also important to you. Your home is more than just brick and mortar. Your Farm Bureau Insurance agent can review the specifics of the policy and coverage limits. This coverage provides protection for other structures on the residence premises set apart from the dwelling by clear space. ![]() You might have other buildings on your property that are separate or detached from your primary residence.
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