Flood
Insurance

Flood
Insurance

Homeowner’s insurance does not cover flood damage; however homeowner’s insurance does cover water damage.

Yes, floods do happen.

Especially in areas where the land is barely above sea level, features large coastal areas, near rivers or streams and where there’s a lot of rain. Sounds quite a bit like Florida to us!

So what’s the difference between a flood claim and a water damage claim?

It pretty much comes down to where the water came from. A flood claim comes from a natural source and is a natural event, (like rain, storm surge, an overflowing river) with two or more properties involved.

Let’s look at what flood insurance covers:

  • Appliances
    (refrigerators, stoves, washers, and dryers)
  • Heating, cooling, electrical, plumbing
  • Window treatments and carpets
  • Detached garage
  • Foundation and walls
  • Personal liability
    (clothing, furniture, and electronic equipment)

So what does flood insurance not cover?

  • Mold, mildew, or moisture
    (damage that could have been prevented by homeowner)
  • Property outside
    (pools, patios, fences, septic systems)
  • Additional living expenses if home can't be lived in
  • Currency or precious metals
  • Cars and vehicles
  • Earth movements caused by floods

It’s important not to wait till the last minute to purchase flood insurance!

Don’t wait to purchase flood insurance when the weather service calls for historic rainfall or the possibility of flooding. That’s because most flood insurance policies require a 30-day wait period before the policy takes effect!

Call TopLine at 561-599-5800 for the best pricing and coverage.

Know the facts about floods!

  • Floods are the most common form of natural disaster in the US!
  • 25% of flood insurance claims are from moderate, to low-risk areas!
  • Just a few inches of water can cause tens of thousands of dollars in property damage!
  • Over the past ten years, the average flood insurance claim was over $33,000!

So what’s the difference between a flood claim and a water damage claim?

It pretty much comes down to where the water came from. A flood claim comes from a natural source and is a natural event, (like rain, storm surge, an overflowing river) with two or more properties involved.

For example: If you and your neighbor are having issues with flooding due to heavy rains, you are probably dealing with a flood insurance claim. If you are having water issues in your home, but your neighbor doesn’t have any issues, you’re typically dealing with a water damage claim.

Call TopLine at 561-599-5800 for the best pricing and coverage.

Let’s look at what flood insurance covers:

  • Appliances
    (refrigerators, stoves, washers, and dryers)
  • Heating, cooling, electrical, plumbing
  • Window treatments and carpets
  • Detached garage
  • Foundation and walls
  • Personal liability
    (clothing, furniture, and electronic equipment)

So what does flood insurance not cover?

  • Mold, mildew, or moisture
    (damage that could have been prevented by homeowner)
  • Property outside
    (pools, patios, fences, septic systems)
  • Additional living expenses if home can't be lived in
  • Currency or precious metals
  • Cars and vehicles
  • Earth movements caused by floods

It’s important not to wait till the last minute to purchase flood insurance!

Don’t wait to purchase flood insurance when the weather service calls for historic rainfall or the possibility of flooding. That’s because most flood insurance policies require a 30-day wait period before the policy takes effect!

Know the facts about floods!

  • Floods are the most common form of natural disaster in the US!
  • 25% of flood insurance claims are from moderate, to low-risk areas!
  • Just a few inches of water can cause tens of thousands of dollars in property damage!
  • Over the past ten years, the average flood insurance claim was over $33,000!

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What we cover

HOME

We’ll find homeowners insurance that’s perfect for you – whatever your needs are. With TopLine, you know you’re getting the best home insurance there is.

CONDO

Yea, we do condo insurance and we do it really well. For a great condo insurance quote, we’re the one to turn to.

RENTERS

If it’s renters insurance you need, we have you covered. Make sure your personal property is protected with apartment insurance from TopLine.

MOBILE

Mobile home insurance is unique, and few understand the ins and outs like TopLine.

FLOOD

Flood insurance is important, especially since they’re the most common form of natural disaster in the US. Count on us to get you a flood insurance quote that will fit your budget.

Our experts will guide you every step of the way.

Our experts
will guide you
every step of
the way.

Let's talk: 561-599-5800

Let's talk:
561-599-5800