“I’m not in a flood zone, so I don’t need flood insurance.”
I can’t tell you how many times I’ve heard that. Each time my reply is: “Well, that’s not exactly true.”
Most of the country is in some kind of a flood zone, a designation that indicates the area’s risk of flooding – some are just more severe than others. So, what does that mean for you as a homeowner? It means you are at risk of flooding, even if it hasn’t happened in your area in recent memory. And, it also means that you may want to consider buying flood insurance.
Here are five important things to know about a policy for flood coverage:
Keep in mind that the Federal Emergency Management Agency (FEMA) periodically updates its flood zone maps. Even if you have flood insurance now, you may want to check whether it is still insuring you at the level you want. If you don’t have flood insurance and you think you could benefit from it, be sure to contact an independent insurance agent. Because flooding isn’t just a Florida thing.
About Shaun Murphy and Pablo Beach Insurance
Shaun Murphy brings 27 years of insurance experience to Pablo Beach Insurance, the independent insurance agency he founded in 2005 with his wife, Emily. Pablo Beach Insurance has three locations across Florida and counts one of the Murphys’ children, Spencer, as part of its leadership team. Shaun strongly believes in providing customers with a broad choice of insurance coverages from a variety of carriers and at a variety of prices. That’s why he started Pablo Beach Insurance, after experiencing firsthand how limited customers are when purchasing insurance directly from a carrier rather than from an independent agent.
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