Every year, hurricanes cause millions of dollars worth of damage to Florida homes and businesses. Hurricane insurance can be complicated, and laws about it have changed several times during the past few years. The important question to ask yourself is, “if a hurricane wallops my area, can I afford to rebuild my home?” For most of us, that answer is “no,” so we need to be sure our hurricane insurance […]
Florida flood insurance
What is Flood Insurance and Do I Need It?
Many Florida homeowners are confused about flood insurance, and for good reason. In insurance terms, “A flood is an excess of water (or mud) on land that is normally dry” according to the National Association of Insurance Commissioners: The NFIP (National Flood Insurance Program) is even more specific. “A flood is a general and temporary condition of partial or complete inundation of two or more acres or normally dry land […]