Flood Insurance

Okeechobee Flood Insurance

Residents in South and Central Florida more often than not, experience afternoon thunderstorms and isolated showers. In addition to daily downpours, we are also faced with the threat of being surrounded by the warm waters in the Gulf of Mexico and the Atlantic Ocean. Unfortunately, those waters are well-known for strengthening tropical storms and hurricanes. Localized torrential rains can leave you and your loved ones devastated. Can you begin to imagine the costs associated with repairs due to damages caused by a flood? In today's economy, there are few who have hundreds of thousands of dollars set aside in the event one has to build their home from the ground up. Reality is, you're setting yourself up for failure if you do not carry flood insurance on your home.

With the assistance of the National Flood Insurance Program (NFIP) and the Federal Emergency Management Agency (FEMA), flood maps have been created to outline those homes and businesses in more hazardous areas. These programs have also implemented rules to assist both the homeowner and the mortgagee by requiring flood insurance be carried if the home is financed and is in a flood zone. These maps are updated regularly due to the fact that Mother Nature is in a constant state of change. Whether your home has been labeled as being in a flood zone or not, it is highly recommended to purchase coverage to protect you from the agony and regret that comes along with enduring a flood.

How do I know what is covered?

Things like the foundation of the home, any permanently installed appliances and floors are covered under your flood insurance policy. There are set limits on what is covered for each category based on the value of your home and your contents. Clothing, decorative curtains and rugs, electric, and even your plumbing is covered. However, there are a few things not covered under a flood policy, such as your personal documents and anything of monetary value. Get protected now so you don't have to learn from a horrible mistake later.

How do I know I'm getting the best price?

Just like flood maps are set by the NFIP and FEMA, so are rates! No matter what agency you decide to purchase flood insurance through, the premium is the same. So what makes Lake Okeechobee Insurance (LOI) different from other agencies in the area? We genuinely care for the families who live in our small town of Okeechobee! As a part of our extended family, we make certain you are properly covered when catastrophe hits.

LOI goes the extra mile to ensure our insureds are protected from financial ruin and covered when the damage is a bit too much to swallow. Becoming a part of the Lake Okeechobee Insurance family means we've got your back, when your back is against the wall.

Fill out LOI's quote form, call us at 863-357-1820, or even stop by one of our offices for a more personal experience while acquiring flood insurance.