Think Your Homeowners Insurance Covers Floods? Think Again!

A Must-Read for Florida Homeowners

Your Biggest Insurance Mistake? Assuming You’re Covered

Picture this: You move into your dream Florida home, a storm hits, and floodwaters creep in. You file a claim—only to find out your homeowners insurance doesn’t cover floods.

This happens far too often. Flood insurance is a separate policy, and without it, you could be on the hook for tens of thousands in damages.

At Gamma Insurance Corporation, we help homeowners avoid costly surprises. Let’s break it down.

Why Homeowners Insurance Won’t Save You

If water comes from above (like a burst pipe or roof leak), you’re covered. If it comes from below (storm surge, heavy rain, overflowing rivers)—you’re not.

One of our new clients, Lisa, learned this the hard way. A storm flooded her living room, and her insurer denied her claim. She paid $40,000 in repairs out of pocket and purchased a flood insurance policy from Gamma Insurance Corporation to make sure she is covered in the future.

Florida: The Flood Capital of the U.S.

Living in Florida means living with flood risk:

• Hurricanes & tropical storms bring intense rainfall and storm surges.
• Low elevation makes flooding inevitable.
• Rising sea levels mean flooding is increasing—even on sunny days.

Even low-risk zones account for 25% of flood claims. If you don’t think you need coverage, think again.

Flood Insurance: Your Best Defense

You have two options:

✔ NFIP (National Flood Insurance Program) – Federally backed, with coverage caps
of $250K (home) & $100K (belongings). 30-day waiting period applies.
✔ Private Flood Insurance – Higher limits, often cheaper and more flexible. May
cover temporary housing and extra expenses.

At Gamma Insurance Corporation, we compare both to find the best fit for you.

How Much Does It Cost?

In Florida, flood insurance runs $500–$3,000 or more per year. Reduce costs by:

✅ Elevating utilities (AC, water heater, electrical panel).
✅ Installing flood vents to reduce pressure buildup.
✅ Opting for a higher deductible.
✅ Checking FEMA flood maps—your rating may have changed.

One Miami homeowner we helped saved $800 a year with simple adjustments.

Act Now—Before the Next Storm Hits

Don’t wait until it’s too late. Here’s what to do today:

✔ Check your flood risk (FEMA maps or ask us).
✔ Review your policy—if flood damage isn’t covered, get insured now.
✔ Compare NFIP & private flood insurance to find the best deal.

At Gamma Insurance Corporation, we make it easy and affordable to protect your home.

Call us: 941-228-8761
Email: [email protected]
Get a free quote: Gammainscorp.com

Don’t wait for the next flood—secure your coverage today!