Ardent Insurance & Risk Management: Passionate About Proper Gulf Shore Flood Insurance in Naples, FL

Florida Flood Insurance

As a homeowner, did you know your insurance policy may not cover flooding? That’s right. The homeowner’s policy you currently have may not cover flood damage.

This can put residents along or near Florida’s Gulf Coast in financial ruins if there was ever a flood.  Coastal residents and others who live in flood-prone areas are required to have flood insurance, so they are safe.

What If the Policy Mentions ‘Flooding?’

The ‘flooding’ mentioned in a typical homeowner’s policy may not be the type you may be thinking of, which could cost you. The flooding in a typical homeowner’s policy is for when a pipe in your home busts and floods your floor.  

The type of flooding that is not covered on a typical homeowner’s policy is caused by heavy rainfall or some other natural disaster.

The homeowner’s insurance policy you have right now does not cover the above events.

goose in a flood street
car driving next to a flood house

Where to Find Flood Insurance in Florida

Most flood insurance policies in the US—including in Florida—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).

You must use an NFIP-Direct-affiliated agency to purchase FEMA flood insurance. Ardent Insurance & Risk Management has sold flood insurance through NFIP for many years.

Types of Florida Flood Insurance

There are two types of NFIP flood insurance policies:

Standard Flood Insurance

Communities that have an active and ongoing flood management plan have standard flood insurance. These communities abide NFIP guidelines in reducing flood-based damages.

Preferred Risk Flood Insurance

Preferred risk flood insurance is for people in low-to-moderate risk zones. These people are not required to have flood insurance, but have the option to get it in case there is a small flood or unexpected big one.

Ardent Insurance & Risk Management Sells FEMA Flood Insurance in Naples, FL

If you need flood insurance in Naples, Florida, we’d love to hear from you! We are a NFIP-Direct-affiliated agency, and can help you find and purchase appropriate flood insurance.

We’re glad to speak with you about flood insurance and to answer all your questions too. For a flood insurance quote, call Ardent Insurance & Risk Management today at (866) 727-3368

For a complimentary online flood insurance quote, complete the form on the Contact Us page. We look forward to helping you with your flood insurance.

Ardent Insurance & Risk Management: Insuring with a passion.

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