Jackson dollar for Florida as a whole or even looking for ink transfer have questions reach out to me reach out the Jamie and I J we will see you next time thanks Josh by hightail peril that is not covered under your homeowners insurance is flood, and on a national level flood is the number one occurrence, the number one thing that happens to peoples’ homes.Yet it is not covered on you homeowners policy and you need to realize that. You castanet it on your homeowners policy.
so you have to buy a flood policy. Now, when I say you“have to” it is not mandatory unless you have a mortgage. If you have a mortgage Homeowners insurance Florida average and you are in a flood zone that requires you to have flood coverage, and the mortgage company determines that, they will tell you that you have to get it. When you are dealing with this, let me help you understand how flood insurance works.
First of all, it’s a program developed by the federal government. There are flood maps all over the country, but since we are worried about Florida, in our area there is a determined flood zone. Who determines that? – The federal government. Insurance companies have access to those maps. The federal government determines the rates, the amount of money that you are charged for living in those designated areas. The federal government actually pays for the claim if you have flood at your home, but the insurance companies are the ones that administer the whole thing.Most of the time you can get a flood policy directly.
Through the federal government. Donation suggest that. It’s better to deal with an insurance company. The insurance company taps into the federal government for the whole program. The insurance companies are the administrators of this – they do the billing, and they often are the ones that send the adjudicator to settle the claim, but the money comes from the federal government. When you buy flood insurance, once again you have choices, and you need to know you can.