Water Damage and Flood Insurance in Miami Florida

6/14/2019 (Permalink)

Water Damage & Insurance in Miami:

Most insurance rates vary by company. Rules for insurance vary by state.  Flood insurance is an exception.

Most property insurance does not cover flood damage.

Some homeowners’ policies will cover water damage if the damage comes from:

• sewer or drain backup
• sudden & accidental damage from plumbing, heating systems, or air conditioning

The policy might also cover mold remediation, but not if a flood caused the problem.

How to get flood insurance in Miami:

• Check whether your community participates in the National Flood Insurance Program (NFIP). You can still get flood insurance if you live in a low-risk area. The insurance will cost less if you live in a low-risk area.
• Find an insurance agent in Miami. The NFIP is the only flood-insurance provider, but the government does not sell it. Buy the insurance through an insurance agent. The NFIP sets the rates.
• If your insurance agent doesn’t know about the NFIP, call the help center at 1-800-427-4661

Links:

https://www.usa.gov/property-insurance

www.fema.gov