![]() However, it is important to note that while insurance policies may include coverage for earthquake damage, for instance, that same policy most likely does not cover damage from floods that resulted from the earthquake. Insurance companies write different types of flood insurance policies including dwelling - the structure of your home - up to 250,000, and its contents - your personal property within the dwelling - up to 100,000. Home About Contact Sitemap Recent Articles. If you have damage or losses over the amount of your policy limit, you are responsible for those costs. Give us a call or request a quote online to find out how much we can save you on your insurance. Quorum Insurance is an independent insurance agency located in Tampa, Florida. Flooding can be the result of a hurricane, earthquake, landslide, or any other natural disaster. To request a quote for flood insurance, complete the form below. Flooding can be caused by the overflow of inland waterways and the unusual and/or rapid accumulation or runoff of surface water (from any source), as well as mudflows. In order for you to obtain coverage, you need to work through a licensed. The National Flood Insurance Program defines flooding as a general and temporary condition caused by the partial or complete inundation of two or more acres of normally dry land, or two or more properties (one of which must be your property). In Florida, Flood insurance is not part of a standard home owners insurance policy. In fact, across the United States today, only 20% of homes at risk for flooding are actually covered by flood insurance! ![]() A deluge can turn a stream, pond or city street into a flood risk. The majority of standard insurance policies do not protect against losses caused by flooding due to the prevalence of adverse selection, or the purchase of insurance by individuals most likely to be impacted by the specific peril of flood. Flood Insurance Quotes & Rates Farmers Insurance Farmers Types of Insurance Products Home Flood Whether you live on the coast, near a river or even in a land-locked town with no body of water nearby, floods can happen just about anywhere it rains. Business Owner’s Package (BOP) Insurance.
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