Flooding is the most common and costliest natural disaster in the U.S., and Florida homeowners face some of the highest risks in the country. From hurricanes and storm surges to heavy rainfall and rising rivers, it doesn’t take much for water to wreak havoc on your home.

Yet many homeowners are surprised to learn that standard homeowners insurance policies don’t cover flood damage. Without proper protection, you could be left footing the bill for costly repairs and the loss of cherished belongings.

If you live in Florida, understanding your flood insurance options isn’t just smart - it’s essential.

Why Traditional Homeowners Insurance Doesn't Cover Floods

Traditional homeowners insurance policies are designed to provide coverage for a wide range of perils, including fire, theft, and certain types of water damage. However, when it comes to floods, these policies typically exclude coverage for damage caused by rising water. This means that if your home is damaged by a flood, your traditional homeowners' insurance policy may not provide the financial protection you need to recover and rebuild.

In fact, basic homeowners insurance policies have not covered flood damage for many decades. According to the Natural Resources Defense Council, a series of costly flood disasters in the 1940s, 1950s, and 1960s led private insurers to stop covering flood risk in a standard homeowners policy.

Introducing Private Flood Endorsement

American Integrity Insurance offers a private flood endorsement that provides peace of mind for Florida and Georgia residents, regardless of the type of property they own. This private flood insurance is designed to supplement existing homeowners insurance policies, offering coverage specifically for flood-related damage.

Customized Coverage Options

One of the key advantages of the private flood endorsement is its flexibility. Homeowners can tailor their coverage to include: 

• Dwelling and personal property
• Additional living expenses if your home becomes uninhabitable
• Coverage limits that fit your property's value and risk profile

Ensuring Financial Security

A private flood endorsement helps homeowners safeguard their financial future. safeguard their financial future. It provides a safety net against one of Florida’s most frequent and expensive natural disasters, offering stability and confidence in the face of uncertainty.

What About the National Flood Insurance Program (NFIP)?

American Integrity Insurance has been certified by the Florida Office of Insurance Regulation to offer private flood insurance that meets or exceeds NFIP requirements. Our coverage often provides lower rates and broader protection than the NFIP, with one key advantage: no waiting period. Your coverage takes effect immediately.

Protect Your Property & Your Future with Flood Insurance

Flood insurance is more than an add-on; it’s a necessity for Florida homeowners. Protect your home and possessions with American Integrity’s private flood endorsement. Contact one of our agents today to find coverage that fits your needs and gives you peace of mind before the next storm season begins.