Southwest Florida Flood Insurance
As Floridians, we are literally surrounded by water; oceans, lakes, ponds, creeks, rivers, retention ditches, sloughs, and swamps. It helps make Florida a beautiful and unique place. But this also means we must deal with the massive hazards that water presents, through torrential rainstorms, life threatening storm surges, and drainage issues present with our low and flat elevations.
Most people do not realize that Flood Insurance is NOT INCLUDED in Homeowners Insurance. A separate policy is needed. Also, all of Florida is located in a “Flood Zone”, just of varying degrees of risk.
It is first best to understand what “Flood” is, as defined by FEMA and the National Flood Insurance Program. A Flood is defined as Natural Rising Water. Natural means that it is caused by nature, not man made water pressure such as a pipe burst. Rising means from the ground up, so falling rain through a roof is not rising, but accumulation of rainfall outside then becomes flood. Last, it is important to note that the source of the natural rising water does not matter. The Federal Government decided long ago that wind driven waves, such as storm surge, are not the peril of wind, but is instead defined as Flood.
For over 50 years and through dozens of storms, Coppin Ferry Insurance has helped educate and unfortunately file thousands of Flood Claims. Our own agency was even flooded recently during the disastrous Hurricane Ian which struck our shores just five miles away. We can help you understand the risks and costs of Flood Insurance and Flood Losses.
We offer multiple Private Flood options as well as FEMA and the National Flood Insurance Program policies.
Contact us today to get a full assessment of your Flood Risk, and affordable ways to add this valuable coverage.
GET A QUOTEAbout Us
All Your Insurance Needs Under One Roof
For 50 years we’ve been protecting the things that matter most for our clients.
We are a full-service insurance agency that can provide all the products you need to protect everything you’ve worked hard for.
