Flood Insurance in Delray Beach, FL
It doesn’t take long for heavy rains or overflowing bodies of water to overwhelm your property and inflict significant financial harm. Even an inch of floodwater in your home could wreak havoc on its structural elements and your personal belongings. This makes suitable flood insurance a top priority for Florida homeowners, as weather patterns and low elevation make floods a particularly prevalent threat in the Sunshine State.
What Is Flood Insurance? 
Flood insurance can make all the difference as intrusive waters recede from your property, potentially leaving behind extensive damage and expensive consequences. Like many types of insurance, these policies retain the right for you to file a claim for financial assistance following such incidents. If approved, your payout could make all the difference in allowing you to repair your home and resume everyday life.
What Is Covered?
Your flood insurance policy will typically offer multifaceted coverage for various losses and damages caused by floods. Specific details may vary, but you can generally submit a claim for the following:
- Structural damage—If your home’s foundations, walls, floors, or plumbing and electrical systems are damaged by floodwaters, your insurance can help pay for repairs.
- Lost or damaged belongings—Your policy could pay out and help offset losses involving your possessions, including furniture, electronics and appliances.
- Cleanup costs—Flood insurance may also assist with costs related to removing and remediating contaminated debris and property.
Who Needs This Type of Insurance?
Flood insurance should be considered a top priority for anyone living in areas at significant risk of floods, such as coastal areas. Additionally, certain requirements may apply. For example, if you have a mortgage with a federally supported lender and live in an area at high risk of floods, you’ll need coverage as long as your loan remains outstanding.
Get the Right Coverage
At Palm Tree Insurance Agency, we’ve proudly served the Delray Beach, Port Saint Lucie, Miami, Fort Myers and Jacksonville communities since 2018. Contact us today to learn more about flood insurance.