Flood Insurance Florida | Ways to Prevent Home Flooding

Many Florida homeowners are unsure of the difference between “water damage” and “flooding” when it comes to home insurance coverage. Standard homeowners insurance typically covers water damage from a pipe leak or overflow but does not cover flooding caused by heavy rain, storm surge, or rising water.

While American Integrity Insurance is proud to offer a Private Flood Insurance option, we hope that you never experience a flood event (“Fun” Fact from FEMA: just one inch of water can cause $25K of damage to your home).

Here are some valuable ways to help prevent flooding and minimize damage to your property.

Keep Drains and Ditches Clear of Debris

Leaves, mulch, and yard debris can clog sewage and storm drains, causing water to back up into your yard and home. Regularly clear leaves and yard waste, and report blocked storm drains to your local municipality before heavy rain arrives.

Clean Gutters and Downspouts Regularly

Over time, ground settling and erosion can cause water to flow toward your home instead of away from it. Pay attention to how rainwater moves around your property and hire a professional to regrade areas that slope incorrectly.

Improve Grading and Drainage Around Your Property

Over time, ground can settle and erosion can cause water to redirect toward your home. Take note of the paths of excess water when it rains and arrange for a professional to improve any areas to direct water away from your home and important structures.

Get the Best Flood Insurance Rates in Florida

Even with preventive steps, floods can still happen. American Integrity Insurance Group offers flood insurance coverage up to 15% lower than NFIP rates with broader coverage and no waiting period.

American Integrity is also one of the few insurers certified by Florida’s Office of Insurance Regulation to offer coverage equal to or better than the NFIP.

Whether you live in a high-risk or low-risk flood zone, flooding can happen anywhere in Florida.Protect your home and valuables by contacting an American Integrity Insurance agent for a personalized flood insurance quote today.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.