How to Get Flood Insurance in Naples
Understanding water damage and insurance coverage in Naples is very important!
If you ever find yourself dealing with flood damage, it is good to know that most property insurance coverage does not cover this loss.
Most insurance rates vary by company. While the rules for insurance vary by state, flood insurance is an exception.
Some homeowners’ policies will cover water damage if the damage comes from:
- sewer or drain backup
- sudden & accidental damage from plumbing, heating systems, or air conditioning
The policy might also cover mold remediation, but not if a flood caused the problem.
How to get flood insurance Naples:
- Check whether your community participates in the National Flood Insurance Program (NFIP). You can still get flood insurance if you live in a low-risk area. The insurance will cost less if you live in a low-risk area.
- Find an insurance agent in Naples. The NFIP is the only flood-insurance provider, but the government does not sell it. Buy the insurance through an insurance agent. The NFIP sets the rates.
- If your insurance agent doesn’t know about the NFIP, call the help center at 1-800-427-4661