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Florida Flood Insurance for Tampa, Clearwater, Oldsmar, St Pete, Miami, & More
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 In Florida, flood insurance is a priority for many home owners, particularly residents in the low-lying Tampa Bay areas of Oldsmar, Clearwater Beach, St Pete, and so on. Florida residents in non-flood areas should be concerned about flood insurance, as well, since estimates show that up to 25% of flood insurance claims occur in low-risk areas.
Flood insurance in Florida, as well as nationwide, is regulated by the Federal government through the National Flood Insurance Program (NFIP). Congress created the NFIP in 1968 because homeowners at the time could not purchase flood insurance from private insurance companies. Most insurance companies regarded flood damage as too expensive and risky to insure, and floods are not covered in a homeowners insurance policy. This left countless homeowners with tremendous damage and no chance for recovery. Today, the NFIP has a network of more than 85 participating insurance companies to provide flood insurance for the millions of homeowners who need it.
To get flood insurance through the NFIP, you must go to a participating agent. At Poe & Associates, centrally located in Tampa, Florida, our agents are licensed to sell flood insurance through the NFIP, and we’d be happy to assist you with this vital coverage at the lowest cost possible. Put our more than 100 years of combined experience in the Florida insurance industry to work for you and get the best quote for Florida flood insurance, as well as excellent, personalized customer service.
Please note: as a Florida homeowner, it is also important to understand that just because you may not be required to purchase flood insurance, it does not mean you don’t need it. This is particularly true in the Tampa Bay area, a vulnerable peninsula surrounded by salt water. Predictions indicate a future of strong storms, increasing the chance that a storm surge could devastate your home, even if your home is built on higher ground. Without flood insurance, you run the risk of losing everything. Also, flood insurance it usually cheaper in low risk areas, making it a smart investment. Another type of policy, excess flood insurance, is available for more expensive homes needing more coverage than the standard NFIP policy.
Whether you are required to purchase Florida flood insurance or not, please call or e-mail the Tampa, Florida office of Poe & Associates today to receive fast flood insurance quotes that will fit nicely in your budget. |
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