Flood Insurance in Clermont, FL
Flood insurance is essential for homeowners, including those not in designated flood zones. Since standard homeowners insurance usually doesn’t cover flood damage, knowing what constitutes a flood and the significance of having specific flood coverage can safeguard you from unforeseen and expensive water damage.
Why Is Flood Insurance Needed Even If Not in a Flood Zone?
Flood insurance is essential even if you live outside a designated flood zone for the following reasons: 
- Unexpected flooding—Floods can happen anywhere it rains. Areas not typically prone to flooding can still experience significant water damage due to heavy rainfall, snowmelt or other unexpected events.
- Prior flooding incidents—Many insurance claims come from properties outside high-risk flood zones. This shows that flooding is not limited to areas near large bodies of water or known floodplains.
- Financial protection—Flood damage can be extremely costly. Without insurance, homeowners may face substantial out-of-pocket expenses for repairs and replacements.
- Peace of mind—Having flood coverage provides peace of mind, helping to ensure you are safeguarded against potential financial losses from flooding, no matter where you live.
Does Home Insurance Cover Flooding?
A typical homeowners insurance policy generally does not include coverage for flood damage. To safeguard your home against floods, you must obtain a separate flood policy. However, homeowners insurance can help cover water damage caused by burst pipes, plumbing problems or appliance overflows.
What Defines a Flood for Insurance Purposes?
According to the Federal Emergency Management Agency (FEMA), flooding is a temporary situation in which ordinarily dry land becomes wholly or partially submerged in water. This can occur due to various factors such as heavy rainfall, storm surges, melting snow or dam failures.
Where to Buy Flood Insurance
Contact Pro Line Insurance Agencies to discuss flood coverage for your home.