Did you know that your homeowners insurance does not cover flood damage? Floods and flash floods can occur anytime and roughly 25% of all flood insurance claims come from areas not considered high risk. Over time, certain areas are more likely to flood than others, but flood damage can happen to anyone.

Flood insurance covers the structure of your home and your personal property from, flood damage. Insurance against flood must be obtained separately. But here’s the thing; regular water damage and flood damage can be separate, specific conditions when it comes to property insurance. If you live in certain areas with greater odds of flooding and have a mortgage, federal law and or your lender (if applicable) may require you to have flood insurance Naples. But even if you’re not required to have flood insurance Naples, your home could still be at risk. A flood insurance policy normally takes 30 days from the date of purchase to go into effect.  So, don’t wait until a flood is imminent to buy a policy.