Here’s the truth: if it rains where you live in Florida, you’re at risk for flooding. And if you think your homeowners insurance covers flood damage — it probably doesn’t.
At Preferred Insurance, we want to make sure you’re covered before the water rises. Whether you’re in Ocala, Lady Lake, The Villages, or anywhere in Florida, here’s what you need to know about flood insurance and why it matters more than ever.
🚫 Home Insurance Doesn’t Cover Flooding
Most Florida homeowners are shocked to learn that flood damage is not included in their standard home insurance policy.
If a hurricane, heavy rain, or storm surge causes water to enter your home, your regular insurance won’t pay for:
- Damaged floors, walls, and baseboards
- Lost appliances and electronics
- Mold or structural issues caused by standing water
📍 You Don’t Have to Be in a Flood Zone
Over 25% of all flood claims come from properties outside high-risk zones.
Floods can happen due to:
- Overflowing retention ponds
- Poor drainage after a heavy storm
- Saturated ground following back-to-back hurricanes
If you’ve ever seen standing water in your neighborhood — you’re at risk.
💵 It’s More Affordable Than You Think
Flood insurance through the National Flood Insurance Program (NFIP) starts at under $400/year in many parts of Florida.
We also have access to private flood carriers that offer competitive rates, better coverage, and faster claim payouts.
📝 Don’t Wait Until a Storm Is Coming
Once there’s a named storm, you can’t bind flood insurance until after the event. There’s also usually a 30-day waiting period, so now is the time to act.
📥 Download our Hurricane Prep Guide
✅ Book a free policy review with a Preferred Agent
“One inch of water can cause over $25,000 in damage. Flood insurance protects your home from what the skies — and your neighbors’ yards — might bring.”
📩 Share this with someone who thinks they don’t need flood insurance… until it’s too late.