Personal Flood Insurance

Let’s face it, you live in Florida, which means you are at risk to some of the most extreme weather imaginable. Floods happen, and Pinkerton Insurance is here to get you back to life. 

Whether you own or rent, your home is important to you. And so are your belongings. From TVs and smartphones to the items you treasure, like your grandmother’s rocking chair. You probably have property insurance to protect your home and belongings. But what about protection from the rising waters?

It can happen anywhere and anytime, whether your property resides inland or in a low-lying area. Flood policies must be purchased separately because damage from flooding is not covered under typical homeowners, renters, condominium and landlord policies.

Why Purchase Flood?

Flood insurance covers your property and possessions damaged as a result of a water rising up from rainstorm or even a river overflowing is banks – even if a disaster isn’t declared.

Waiting Period

Keep in mind that most flood insurance policies have a 30-day waiting period for coverage to take effect. Purchase your policy now to avoid delays.

National Flood Insurance Program

The federal government, FEMA, manages the National Flood Program (NFIP). Most people are eligible to purchase flood insurance as long as their community participates in the program. Visit FloodSmart.gov for more information about NFIP.

Private Flood Insurance:

There are alternatives to the National Flood Program. Some carriers offer their own Private Flood Endorsement Coverage that can be great option, especially if you are looking for more than NFIP’s maximum coverage of $250,000.