FORT LAUDERDALE, Florida. Hurricane season is here and already we are seeing storms developing off the coast. One of the big questions you should ask yourself as another hurricane season approaches is whether your house is in a flood zone. This is not a question that is relevant only to home buyers. Even if you’ve lived in your home for some time, flood zones can change. How can you tell if your home is in a flood zone? Check out FEMA’s Flood Map for updated information about flood zones. You can look up your address and see for yourself how at risk you are and how close you live to an at-risk area. If you are buying a house, FEMA’s Flood map can be useful.
What should you do if you learn that your home is in a flood zone? First of all, make sure you have the right kind of flood insurance. While flood insurance can be costly, more expensive is suffering from storm damage and finding that your claim has been denied because you weren’t properly insured.
What if you’re buying a house? What are the risks of buying in a flood zone? According to Homes.com, it might be a good idea to get a quote on what flood insurance will cost before you buy your home. In some places, flood insurance can be upwards of $9,000 a year, so it’s best to do the math before you make the deal.
Even if your home isn’t in a flood zone, it might still be a good idea to protect your home from water damage. You may need to get an additional rider on your policy. Flooding can happen for many reasons. If the city’s water systems get overwhelmed, the water can back up and flood your street. While FEMA’s flood map can tell you what areas are likely to flood in a storm, storm systems in the era of climate change are evolving and sometimes the flood maps just can’t keep up.
Basic homeowner’s insurance won’t cover you for flood damage. So, it is important to take the time to get the additional coverage now, before we reach the peak of storm season.
Finally, when considering whether or not to buy flood insurance, Homes.com reports that 20% of flood insurance claims are made from moderate and low-risk areas. Your address may not show up as a high-risk area on the FEMA maps, but you may still be at risk of flooding.
Some homeowners are still fighting to get their Hurricane Irma claims settled. If you are in this situation or if you are unsure about what your policy does and does not cover, consider speaking to the Hurricane Irma insurance claims lawyers at Leader & Leader, P.A. in Fort Lauderdale, Florida. Our firm can help you seek the claim you may deserve under the law. Visit us at https://leader-law.com/ to learn more.
Leader & Leader, P.A.
633 South Andrews Ave.
Fort Lauderdale, FL33301