The waters are lurking in Florida: protect yourself
The waters are lurking in Florida: protect yourself. The heavy rainfall in Fort Lauderdale last week caused many residents to remain with their homes flooded for more than 48 hours. The water destroyed everything: the flooring, structures, furniture, belongings, and appliances. These residents will need a lot of money to repair their homes and replace everything that was lost. According to experts, repair costs associated with flooding can range from $10,000 to $30,000, depending on the level of damage.
The first step will be to remove the mud brought in by the water, take out all damaged furniture and personal belongings, disinfect, and dry the walls with special equipment. Only then can repairs begin.
Some residents who had their hopes pinned on homeowner’s insurance received the sad news that homeowner’s insurance does not cover damages caused by flooding. “Only flood insurance protects property structures and contents in case of water overflow.”
Despite the magnitude of the flooding, it seems that residents will not receive help from the Federal Emergency Management Agency (FEMA) “because the scale of the disaster does not reach FEMA’s thresholds,” said Kevin Guthrie, director of the Florida Department of Emergency Management.
That is to say, those residents who have flood insurance designed to cover damages caused by river overflows, cyclonic surges, heavy rains, or river floods will be compensated by their insurance companies. Flood insurance also covers the cleaning operations of the damaged property and all the investment necessary to get it ready.
Don’t think that what happened in Fort Lauderdale is a passing anecdote. More than 20% of all flood insurance claims in the US originate in Florida. The rainy season begins in May. If you are in a flood-prone area, get flood insurance and protect your greatest asset.
At Univista Insurance, you can purchase cheap flood insurance that is appropriate to protect your home from the lurking waters. The waters are lurking in Florida: protect yourself.