Blog Mania

  Most people learn about flood coverage the hard way, and it’s never fun. Water gets in, they call their insurance company, and somebody on the phone says that’s not covered. Just like that. If you own a house in Florida then residential flood insurance is something you want sorted before the rain, not after, because regular homeowners policies leave rising water out almost every time. I mean it, almost every time. This post is my attempt to explain what the coverage does, who ought to have it, why prices jump around so much, and how to pick a policy without pulling your hair out over the fine print. Why Your Regular Policy Falls Short Okay, this part trips up more people than anything. Hurricane wind? Usually your homeowners policy deals with it. Water that comes up through the yard or floods in off the street, nope, that’s a different animal and it needs its own policy. No flood policy, no payout. Simple as that, and kind of brutal. Banks know it, agents know it, you’d think so...