Top 5 Flood Insurance Questions We Get—Answered
Whether it’s hurricane season or just a heavy rain forecast, flood insurance always raises questions. And as a Florida-based agency, we hear a lot of them. Here are the top 5 questions people ask us—along with clear, simple answers you can trust.
1. Does my homeowners insurance cover flood damage?
No. Standard homeowners insurance does not cover flood damage caused by rising water, storm surge, or heavy rain entering from outside. You need a separate flood insurance policy for that type of protection. Many homeowners find this out too late—after the damage is done.
2. If I don’t live in a high-risk zone, do I still need flood insurance?
Yes. Over 40% of flood claims come from properties in low– to moderate-risk zones. Flooding can happen due to poor drainage, construction, clogged stormwater systems, or extreme rainfall—not just hurricanes or proximity to water. No home is completely risk-free, and coverage in low-risk zones is often more affordable.
3. Can I buy flood insurance at any time?
Yes, you can purchase flood insurance whenever you like—but keep in mind that most policies come with a 30-day waiting period before they become active. That means if you wait until a storm is in the forecast, it’s already too late to be protected. Planning ahead is key.
4. Do renters need flood insurance too?
Absolutely. If you’re renting, your landlord’s insurance typically only covers the building itself—not your personal belongings. Flood insurance for renters can protect the items that matter to you: furniture, electronics, clothing, and other valuables. It’s a small investment for major peace of mind.
5. What does flood insurance actually cover?
Flood insurance typically covers structural damage (walls, flooring, foundation), systems (electrical, plumbing, HVAC), and major appliances. Contents coverage is optional but recommended, and it can include furniture, electronics, and personal belongings. Always review your specific policy for exclusions and limits so you know exactly what to expect.
Final Thoughts
Flood insurance isn’t just about compliance—it’s about protecting your home, your belongings, and your financial future. If you still have questions or aren’t sure where to start, our team at BetOnYou is here to walk you through it. Getting the right protection now can save you stress, time, and thousands of dollars later.
