Flood Insurance in Melbourne, FL
Floods rank among the most prevalent and expensive natural disasters in the United States. Standard homeowners insurance doesn’t cover flood damage, so many property owners need a separate flood insurance policy.
How Does Flood Insurance Work? 
Flood coverage can be purchased from the National Flood Insurance Program (NFIP) or through some private insurers. Homeowners, renters and businesses can buy policies that cover buildings, contents or both.
Policyholders may file a claim after a flood event to recover qualified damages. An adjuster inspects the property, documents the losses and determines the payout based on the policy’s coverage limits.
What Does Flood Insurance Cover?
Flood insurance policies may cover various losses caused by rising water. Standard policies typically cover the following:
- Physical structure of your home or business (e.g., walls, foundation, electrical and plumbing systems)
- Built-in appliances (e.g., central air conditioning, furnaces, water heaters and built-in appliances)
- Flooring and wall finishes (e.g., carpet, tile, hardwood, drywall and paneling)
- Detached garages
- Personal belongings (e.g., clothes, furniture, electronics)
- Valuable items (e.g., artwork and jewelry, typically capped at a specific amount)
Flood insurance doesn’t cover everything, such as landscaping or living expenses during repairs. Review your policy carefully and understand what is included so you’re not caught off guard after a flood.
How to Get Flood Insurance
If you need more information on flood insurance, contact Traditional Insurance of Florida, LLC today. Our agents can assess your situation and recommend appropriate coverage.