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Flood Insurance: Guide to Recovering from a Florida Flood and Hurricane

Flood Insurance Guide to Recovering from a Florida Flood and Hurricane

Flood Insurance: Guide to Recovering from a Florida Flood and Hurricane

Florida hurricane season has officially started—are you prepared?

According to Federal Emergency Management Agency (FEMA), nearly 90% of natural disasters are inland flooding, flash floods and seasonal storms.

Forecasters have publicly announced what we should expect from the 2013 Atlantic Hurricane Season. Fortunately, these predictions indicate that we won’t be experiencing as many hurricanes as 2012. However, numbers are still high; tropical storms at a 16, hurricanes at 12 (4 of which are major hurricanes) and landfalls at 3.

Recovering from a hurricane and/or flood can take a mental and physical toll on those affected. You may come home to your Florida house submerged into water or shattered windows. Although that’s usually not the case, it’s beneficial to be educated on how to recover from a hurricane and/or flood.

Take a look at part 1 of our Guide to Recovering from a Florida Flood/Hurricane. After all, it’s better to be safe than sorry.

Immediate Response:


  • Regardless of the severity, report the loss to your insurance agent.
  • If you have vacated your home, update your temporary contact information.
  • Take photos and/or record videos and create a list of all damaged or lost personal possessions
  • Speak with your agent about how much loss your Florida flood insurance policy will cover.

*Flood Insurance is not included in a standard homeowners insurance policy.
If you do not live in a high risk flood zone, it’s important to consider purchase a separate flood insurance policy. According to FEMA, 20% of flood insurance claims filed are from low to moderate flood risk zones.

Visit Flood Smart to find out if you live in a flood zone!

Safety Precautions:

  • Do not enter your home if you smell gas. Leave the door open and turn off the gas by using pliers or a wrench (if gas valve is located outside). Notify your gas company and/or 911.
  • Do not turn on/off the power while standing in water.
  • Do not bring your children or pets inside the home or any affected area.
  • Wear safety gear. This includes safety goggles, rubber gloves and durable waterproof boots.
  • Thoroughly wash your hands with soap and clean water.
  • Be cautious while in flood water. Avoid metal/glass shards and power lines. If you are injured, get medical attention to avoid potential infections.

Next month, part 2 of our Guide to Recovering from a Florida Flood/Hurricane will review clean up procedures, water and food safety, chemical hazards and mold prevention. 

Property owners who have suffered severe financial damages from a flood never dreamed they’d ever experience one. Others believed their Florida homeowners insurance would protect them and discovered—to their shock and regret—that it didn’t.
For these reasons, Advanced Insurance Underwriters’s Florida flood insurance is a powerful safety net to guard against the unforeseen damages of a sudden flood. The right policy can protect you against losses resulting from heavy rains, flood surges, snow melts, storm drain backups, etc.

Let our Florida flood insurance specialists set you up with the coverage you need. Call or email us now. 800-660-7734


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