Flood Insurance in Panama City, FL
Flooding can cause major damage in a short amount of time. From ruined flooring to structural repairs, even a few inches of water inside a home can lead to thousands of dollars in costs. Many property owners need to seriously consider their flood insurance needs, as lacking coverage could have dire consequences.
Do Standard Policies Cover Floods? 
Many people assume their home or renters insurance includes flood coverage, but that isn’t the case. Losses caused by rising water, storm surge or overflowing drains are excluded from most standard policies. Without a separate flood insurance plan, homeowners and renters are often left paying for cleanup and repairs entirely on their own.
What Flood Insurance Typically Covers
While details vary by policy, flood insurance may include the following coverage options:
- Structural coverage may assist with repairs to the foundation, walls, and essential systems of your home.
- Personal property coverage may help replace belongings like furniture, clothing, appliances or electronics damaged in a covered flood.
- Cleanup cost coverage may help with removing debris and restoring the property.
Flood insurance can be purchased through federal programs or private insurers, and coverage limits, deductibles and waiting periods may vary. Reviewing these details ahead of time helps you understand exactly how your policy will respond.
Request a Quote Today
Flood insurance is a practical way to prepare for one of the most common natural disasters. At Affordable Insurance Group of Panama City, we can explain available options and help you select a policy that fits your needs. Contact us today to request a flood insurance quote.