Florida Rain Season and Flood Insurance | American US Insurance

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Florida's Rains and the Importance of Flood Insurance

Florida is a beautiful state, with miles upon miles of stunning coastlines and crystal-clear waters. However, living in Florida also means a constant threat of hurricanes, torrential rains, and flooding, said Evelyn Calabuch, founder of American US Insurance, a Florida Independent Insurance Agency mainly focused on property insurance. As the state experiences its annual rain season, it is important to ensure that your house and belongings are protected against any potential flood damage. In this article, we will discuss the importance of flood insurance and how to select the best and more adequate coverage from an Independent Insurance Agencies like American US Insurance.

Why is Flood Insurance Important in Florida?

Florida is one of the states with the highest risk of flood damage due to its geography and climate. The state's flat terrain and its susceptibility to powerful storms make it extremely prone to flooding. The rain season usually runs from May to October, with heavy rainfall and powerful thunderstorms that can cause severe flooding. It is important to note that standard homeowner's insurance policies do not cover flood damage, which means that without flood insurance, damage to your home and belongings resulting from flooding will not be covered.

In addition to the natural threat that rainy season poses, understanding the legal requirement of flood insurance is essential. If you live in a high-risk area, your mortgage provider may require you to have a flood insurance policy in place to secure your loan. Not having the right coverage can mean paying higher mortgage bills due to force-placed insurance policies imposed by your lender or losing your home to bankruptcy in case of a catastrophic  accident, not covered by your home insurance policy.

Flood Policy Coverage Homes vs. Cars

When it comes to flood damage, the impact can be devastating on both homes and cars. However, the covering insurance policies and claims differ greatly between the two. Homeowners insurance usually does not cover floods, and instead, homeowners need a separate flood insurance policy. On the other hand, flood claims for cars are covered under a vehicle insurance policies that has comprehensive coverage. Comprehensive coverage is designed to protect your vehicle against damages that are not caused by collisions, such as theft, vandalism, or natural disasters like floods.  It is crucial to have this coverage in areas that are prone to flooding, as damage to a vehicle caused by a flood can be extensive, and repairs can be costly. Additionally, flooding can also cause issues that extend beyond just the vehicle's exterior damage, such as mechanical and electrical damage. Therefore, it is important to understand the differences in coverage and seek appropriate insurance for each situation.

How to Select the Best Flood Coverage

Selecting the best flood insurance depends on your specific situation and your coverage needs. It is essential to contact an Independent Insurance Agent, such as American US Insurance, who understands the unique risks that Florida homeowners face. An agent will help you navigate the various coverage options and find the policy that best suits your needs.

Here are some things to consider when selecting the best flood coverage:

1. Coverage Limits: Make sure you have enough flood insurance to cover the potential damage to your home and belongings. While the federal government offers flood insurance policies, they have limited coverage amounts, so you may need to purchase additional private flood insurance.

2. Deductible: You'll need to decide on your deductible, which is the amount of money you will pay out-of-pocket before your coverage kicks in. A higher deductible will lower your premiums, but you'll need to be prepared to pay more in case of a loss.

3. Flood Hazard Zone: Understanding your flood zone risk is key when choosing your flood insurance coverage. Florida is divided into high-risk and moderate-to-low risk zones, so you'll need to ensure that you have the level of coverage necessary for your area's risk.

4. Building Characteristics: The characteristics of your building play a significant role in determining flood coverage. For example, if your home has a basement, you may need more coverage than if you don't. Make sure to provide your American US Insurance agent accurate details to have the best coverage possible.


Floods are devastating and can cause significant damage to your home and personal belongings. Unfortunately, Floridians are among the most at risk for flood damage due to its nature. Natural disasters are beyond our control and have the potential to destroy everything we have worked so hard to build. This is why it is essential to protect yourself and your property with flood insurance coverage.

American US Insurance offers policies tailored to meet your specific needs and risk profile. It is essential to consult an independent insurance agent to gain a comprehensive understanding of the coverage you need. Do not leave your property’s security to chance. Invest in the right flood insurance coverage with American US Insurance, ensuring that your home and belongings are protected in case of a natural disaster.

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