{"id":1807,"date":"2022-07-01T14:20:50","date_gmt":"2022-07-01T14:20:50","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?page_id=1807"},"modified":"2022-09-13T18:31:05","modified_gmt":"2022-09-13T18:31:05","slug":"flood-insurance","status":"publish","type":"page","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/flood-insurance\/","title":{"rendered":"Flood Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Hero&#8221; _builder_version=&#8221;4.5.1&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(27,31,37,0.2)&#8221; background_color_gradient_end=&#8221;#1b1f25&#8243; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2021\/11\/IMG_8921-scaled.jpg&#8221; custom_margin=&#8221;0px|||&#8221; custom_padding=&#8221;0px|10%|0px|10%|true|true&#8221; custom_padding_tablet=&#8221;|30px||30px||true&#8221; custom_padding_phone=&#8221;|||||true&#8221; locked=&#8221;off&#8221; collapsed=&#8221;on&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; padding_top_bottom_link_1=&#8221;true&#8221; padding_left_right_link_1=&#8221;true&#8221; _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;0||0px||false|false&#8221; use_custom_width=&#8221;on&#8221; width_unit=&#8221;off&#8221; custom_width_percent=&#8221;100%&#8221; collapsed=&#8221;on&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;3.25&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,0,0,0.33)&#8221; background_color_gradient_end=&#8221;rgba(255,255,255,0)&#8221; custom_padding=&#8221;12vw|40px|12vw|40px&#8221; custom_padding_tablet=&#8221;|||&#8221; custom_padding_phone=&#8221;|10px||10px||true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.5.1&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Teko|500||on|||||&#8221; header_font_size=&#8221;8vw&#8221; header_letter_spacing=&#8221;0.05em&#8221; header_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;|-10vw|0px|&#8221; custom_margin_tablet=&#8221;|0vw||&#8221; custom_margin_phone=&#8221;|-5vw||&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;zoom&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_zoom=&#8221;10%&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_line_height_tablet=&#8221;&#8221; header_line_height_phone=&#8221;1.2em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_text_shadow_style=&#8221;preset1&#8243; header_text_shadow_vertical_length=&#8221;0.18em&#8221; header_text_shadow_blur_strength=&#8221;0.27em&#8221; header_text_shadow_color=&#8221;rgba(0,0,0,0.38)&#8221;]<\/p>\n<h1>Flood Insurance<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.5.1&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;|-10vw||10vw&#8221; custom_margin_tablet=&#8221;|0vw||0px&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;10%&#8221; locked=&#8221;off&#8221;]<\/p>\n<p>Florida residents can count on Pablo Beach Insurance Group to help find quality flood insurance coverage at competitive rates.\u00a0<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Main&#8221; _builder_version=&#8221;3.22&#8243; custom_padding=&#8221;80px|0px|80px|0px|true|false&#8221; collapsed=&#8221;off&#8221;][et_pb_row admin_label=&#8221;Flood&#8221; _builder_version=&#8221;3.25&#8243; background_color=&#8221;#f4f4f4&#8243; custom_margin=&#8221;||60px|&#8221; custom_padding=&#8221;50px|40px|50px|40px|true|true&#8221; collapsed=&#8221;on&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;Teko|500|||||||&#8221; header_3_font_size=&#8221;40px&#8221; header_4_font=&#8221;||||||||&#8221; locked=&#8221;off&#8221;]<\/p>\n<h3>Did you know? Homeowners Insurance Does Not Cover Floods.<\/h3>\n<p>As Florida residents, it is imperative that you protect your home from flood damage. One storm surge could dramatically impact your life. Don\u2019t over look this straight-forward, yet crucial piece of coverage. Our experts can walk you through your options.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.5.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.5.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.5.1&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; ul_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;Teko|500|||||||&#8221; header_3_font_size=&#8221;40px&#8221; header_4_font=&#8221;||||||||&#8221; locked=&#8221;off&#8221;]<\/p>\n<h3>Get a Quick Flood Quote Now<\/h3>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.5.1&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243;]<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-1849\"><form id=\"wpforms-form-1849\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1849\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/pages\/1807\" data-token=\"60ef374cf88ebb0950c033cf59a0836e\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-1849-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\" for=\"wpforms-1849-field_0\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-1849-field_0\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][0][first]\" required><label for=\"wpforms-1849-field_0\" class=\"wpforms-field-sublabel after \">First<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-1849-field_0-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][0][last]\" required><label for=\"wpforms-1849-field_0-last\" class=\"wpforms-field-sublabel after \">Last<\/label><\/div><\/div><\/div><div id=\"wpforms-1849-field_1-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-1849-field_1\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1849-field_1\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][1]\" required><\/div><div id=\"wpforms-1849-field_3-container\" class=\"wpforms-field wpforms-field-number\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-1849-field_3\">Phone Number <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"number\" pattern=\"\\d*\" id=\"wpforms-1849-field_3\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][3]\" required><\/div><div id=\"wpforms-1849-field_4-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-1849-field_4\">Insurance Needed<\/label><select id=\"wpforms-1849-field_4\" class=\"wpforms-field-medium\" name=\"wpforms[fields][4]\"><option value=\"Home Insurance\" >Home Insurance<\/option><option value=\"Flood Insurance\" >Flood Insurance<\/option><option value=\"Medicare\/Health\" >Medicare\/Health<\/option><option value=\"Business Insurance\" >Business Insurance<\/option><\/select><\/div><\/div><input type=\"hidden\" name=\"wpforms[recaptcha]\" value=\"\"><div class=\"wpforms-submit-container\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"1849\"><input type=\"hidden\" name=\"wpforms[author]\" value=\"11\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1849\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img src=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;SEO&#8221; _builder_version=&#8221;3.26.7&#8243; collapsed=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.26.7&#8243;][et_pb_text _builder_version=&#8221;4.5.1&#8243;]<\/p>\n<div class=\"\" data-block=\"true\" data-editor=\"dbk01\" data-offset-key=\"7uq5a-0-0\"><\/div>\n<div class=\"\" data-block=\"true\" data-editor=\"dbk01\" data-offset-key=\"8dham-0-0\">\n<div class=\"_1mf _1mj\" data-offset-key=\"8dham-0-0\">\n<p class=\"p1\"><span class=\"s1\">A Pablo Beach Insurance Group, we help our clients find\u00a0<b>flood insurance<\/b>\u00a0that is both affordable and adequate to cover what matters most to them. <\/span><\/p>\n<h2><strong>Flood: What It Is and What It Isn\u2019t<\/strong><\/h2>\n<p>Water from broken water pipes, overflowing bathtubs, flash floods, or storms can cause extensive damage to your home, contents, and other assets. As a homeowner, you need to determine whether the damage constitutes a water damage<span>\u00a0<\/span><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/claims\/\" target=\"_blank\" rel=\"noopener noreferrer\">insurance claim<\/a>\u00a0or a flood claim.<\/p>\n<h2><strong>What Does Flood Insurance Cover?<\/strong><\/h2>\n<p>According to The Federal Emergency Management Agency (FEMA), flood insurance can protect your home in two ways.<\/p>\n<ul>\n<li><strong>Building property coverage:<\/strong>\u00a0<a href=\"https:\/\/insurancenear.me\/3-things-need-know-buying-flood-insurance\/\">Buying flood insurance<\/a>\u00a0can cover can help protect the physical structure of your home and its foundation. The policy also covers electrical and plumbing systems, central air systems, and furnace, cabinets and paneling. The maximum coverage limit is $250,000.<\/li>\n<li><strong>Personal contents coverage:\u00a0<\/strong>Contents inside your home such as freezers, electronics, clothing, curtains, and certain valuables like art can be protected. The maximum coverage is set at $100,000.<\/li>\n<\/ul>\n<p>When\u00a0<strong><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/get-a-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\">purchasing a flood insurance policy<\/a><\/strong>, ensure that you identify the individual categories of the contents in your home and their estimated value. This is because some categories can have limits set below the total value of the possessions you own that qualify. For example, if you own high-value items such as art, you might consider purchasing additional protection for this category.<\/p>\n<h2><strong>What\u2019s Not Covered in Flood Insurance?<\/strong><\/h2>\n<p>Before purchasing a flood insurance cover, it\u2019s equally important to know what\u2019s not covered. Here\u2019s\u00a0<a href=\"https:\/\/www.fema.gov\/media-library-data\/20130726-1620-20490-4648\/f_679_summaryofcoverage_11_2012.pdf\">NFIP\u2019s summary<\/a>\u00a0of the types of property and expenses that are not covered under the basic flood insurance policy.<\/p>\n<ul>\n<li>Automobiles<\/li>\n<li>Avoidable damage that could have been controlled by the homeowner such moisture or mold\/mildew damage.<\/li>\n<li>Property such as fences, retaining walls, seawalls, bulkheads, wharves, piers, bridges and docks.<\/li>\n<li>Outdoor property such as swimming pools and hot tubs.<\/li>\n<li>Living expenses due to flood damage.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fema.gov\/media-library-data\/20130726-1620-20490-4648\/f_679_summaryofcoverage_11_2012.pdf\">According to the NFIP<\/a>, flood insurance provides limited or no coverage for underground rooms and their contents. Items such as the furnace which are normally found in the basement are covered under building coverage. Others such as the washing machine are insured under personal contents cover.<\/p>\n<h2><strong>Do I Need Flood Insurance?<\/strong><\/h2>\n<p>Whether a property owner needs a flood insurance cover is highly dependent on how prone the area they live is prone to floods, and whether the government or the mortgage lender deems it necessary. Generally, FEMA determines and updates the nation\u2019s Flood Insurance Risk Maps (FIRMs). You can visit\u00a0<a href=\"https:\/\/msc.fema.gov\/portal\/\">FEMA\u2019s Flood Insurance Rate Map<\/a>\u00a0to check your flood zone and determine whether you need a flood insurance cover.<\/p>\n<p>The various flood zones fall into one of the three categorical areas below:<\/p>\n<p><strong>High-Risk Areas:<span>\u00a0<\/span><\/strong>Also known as Special Flood Hazard Areas (SFHAs), the federal government requires that homes or properties located in these areas with mortgages from federally insured lenders to have flood insurance. Most of these properties are located along the coastlines and other water bodies such as rivers and lakes. If you live in any of these areas, you should consider getting a flood insurance cover.<\/p>\n<p><strong>Moderate-To-Low Risk Areas:\u00a0<\/strong>The probability of flooding in these areas is minimal. However, approximately 20-percent of all flood insurance claims come from this category, according to the NFIP. While it\u2019s not mandatory to have flood insurance in these areas, purchasing a policy can save you from unprecedented occurrences.<\/p>\n<p><strong>Undetermined-Risk Areas:\u00a0<\/strong>As the name suggests, no flood analysis has been conducted in these areas. However, this is not to mean that these areas are risk free. Purchasing a flood policy is recommended.<\/p>\n<p>While every property owner has unique insurance needs, understanding what your standard homeowner\u2019s insurance policy entails is very important. For any questions on\u00a0<strong><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/get-a-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\">homeowners and flood insurance<\/a><\/strong>, please contact\u00a0us 904.224.7000.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; admin_label=&#8221;Flood&#8221; _builder_version=&#8221;3.25&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#ffffff&#8221; background_color_gradient_end=&#8221;#f7f7f7&#8243; custom_margin=&#8221;||40px|&#8221; custom_padding=&#8221;27px|0px|0|0px|false|false&#8221; collapsed=&#8221;on&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2022\/06\/PBIG-Hurricane-Preparedness.png&#8221; title_text=&#8221;Hurricane Preparedness&#8221; show_in_lightbox=&#8221;on&#8221; use_overlay=&#8221;on&#8221; overlay_icon_color=&#8221;#c10f1b&#8221; hover_overlay_color=&#8221;rgba(0,0,0,0.3)&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.5.1&#8243; custom_margin=&#8221;||0px|&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text ul_type=&#8221;square&#8221; admin_label=&#8221;Title&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2em&#8221; ul_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;Teko|500|||||||&#8221; header_3_font_size=&#8221;26px&#8221; header_3_line_height=&#8221;1.2em&#8221; header_4_font=&#8221;||||||||&#8221; custom_margin=&#8221;||0px|&#8221; locked=&#8221;off&#8221;]<\/p>\n<h3>Flood Insurance<\/h3>\n<p>Most homeowners insurance policies do not cover floods. For about $300 per year, you can ensure you are protected from water-related damages.<\/p>\n<p>&nbsp;[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Branding CTA&#8221; _builder_version=&#8221;4.5.1&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(27,31,37,0.3)&#8221; background_color_gradient_end=&#8221;#1b1f25&#8243; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2022\/06\/PBIG-Hurricane-Preparedness.png&#8221; custom_padding=&#8221;250px||0px||false|false&#8221; top_divider_style=&#8221;arrow&#8221; top_divider_height_tablet=&#8221;&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;0|0px|0px|0px|false|false&#8221; 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