Flooding is the most common—and costliest—natural disaster in the U.S., and Florida homeowners face a particularly high risk. From hurricanes and storm surges to heavy rainfall and rising rivers, it doesn’t take much for water to wreak havoc on your home.
Yet many homeowners are surprised to learn that standard homeowners insurance policies don’t cover flood damage. Without proper protection, you could be left footing the bill for costly repairs and the loss of cherished belongings.
If you live in Florida, understanding your flood insurance options isn’t just smart—it’s essential.
Why Traditional Homeowners Insurance Doesn't Cover Floods
Traditional homeowners insurance policies are designed to provide coverage for a wide range of perils, including fire, theft, and certain types of water damage. However, when it comes to floods, these policies typically exclude coverage for damage caused by rising water. This means that if your home is damaged by a flood, your traditional homeowners' insurance policy may not provide the financial protection you need to recover and rebuild.
In fact, basic homeowners insurance policies have not covered flood damage for many decades. According to the Natural Resources Defense Council, a series of costly flood disasters in the 1940s, 1950s, and 1960s led private insurers to stop covering flood risk in a standard homeowners policy.
Introducing Private Flood Endorsement
American Integrity Insurance offers a private flood endorsement that provides peace of mind for Florida and Georgia residents, regardless of the type of property they own. This private flood insurance is designed to supplement existing homeowners insurance policies, offering coverage specifically for flood-related damage.
Customized Coverage Options
One of the key advantages of the private flood endorsement is its flexibility. This endorsement can be tailored to meet the specific needs of individual homeowners, providing coverage for dwelling and personal property, as well as additional living expenses in the event that your home becomes uninhabitable due to flood damage. With customized coverage options, homeowners can rest assured that they have the protection they need to recover from the aftermath of a flood.
Ensuring Financial Security
By investing in a private flood endorsement, homeowners can prioritize financial security and take proactive steps to protect their properties and personal belongings from the devastating effects of flooding. This endorsement offers a valuable safety net, allowing homeowners to face the uncertainties of natural disasters with confidence and resilience.
What About the National Flood Insurance Program (NFIP)?
American Integrity Insurance has been certified by the Florida Office of Insurance Regulation to offer private flood insurance in Florida that complies with all NFIP requirements. On average, our flood insurance offers lower rates and more robust coverage than what is offered by the NFIP. And, unlike the NFIP, there is no waiting period for your coverage to become effective! This means that you can secure flood insurance coverage with us without having to wait for a specific period of time before it kicks in.
Protect Your Property & Your Future with Flood Insurance
If you're a homeowner looking to safeguard your property against the risks of flooding, consider exploring the private flood insurance offered by American Integrity Insurance. Our dedicated team is committed to helping you find the right coverage options to meet your needs and provide you with the peace of mind you deserve.
Reach out to one of our agents today to learn more about how our private flood endorsement can help you protect your home and possessions from the most common and costly natural disaster in the US.