Florida Flood Insurance - Broward County, FL Area
Even though flood insurance is relatively inexpensive, most homeowners
do not choose to purchase the insurance protection available. According
to the Federal Insurance Administration, less than one-quarter of the
homes in areas most vulnerable are insured against flood loss. In those
areas, flooding is 24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.
A standard homeowners insurance policy will not cover damages caused
by flooding. You must have flood insurance from an insurer that writes for
the National Flood Insurance Program. If your community participates in a
floodplain management program, you should be eligible to buy the coverage
no matter if your flood risk is low, medium or high. Residents of "coastal
barrier areas" and communities that do not participate in floodplain
management programs may have trouble finding flood insurance coverage.
Florida flood insurance is also available to renters, condominium
owners, and co-op owners.
Flood Perils Include:
Outside of fire, flooding is the most widespread natural disaster. According
to the National Flood Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural area, at least 2 acres
must be submerged.
Click on the link below to fill out a secure quote request form for a Florida Flood
Insurance policy that will provide excellent personal insurance coverage at an
affordable cost. Or you can speak with our Florida Flood Insurance specialist at
(954) 434-6515 to discuss the insurance policy features in more detail.
We are a Davie, FL insurance agency offering affordable Florida flood insurance policy
premiums in the following cities and counties: Coral Springs, Fort Lauderdale, Parkland,
Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles,
Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale
Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca
West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake
Worth, Miami, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm
Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm
Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach
Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City,
Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester,
Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach,
Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek,
Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche
Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes,
Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar,
Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral
Gables, Kendall, Dania Beach, Cooper City, West Miami, Hollywood, Broward County, Palm
Beach County, and Miami-Dade County, FL. We can also offer our Florida flood insurance
coverage services throughout the Sunshine state, including in Orlando, Tampa, St.
Petersburg, Sarasota, Tallahassee, Pensacola, Gainesville, and Jacksonville, FL.
The two primary types of Florida Flood Insurance Policies are listed below.
Actual Cash Value Policy
The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.
Commercial and apartment buildings will be covered only for actual cash value.
Replacement Value Policy
The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Florida flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
The washing away, collapse, or subsiding of land along the shoreline
due to erosion or undermining of waves or currents exceeding the
cyclical levels
Unusual & rapid accumulation of runoff or surface waters from any
Overflow of inland or tidal waters
Mud slides caused by flooding
Sewer backup caused by flooding
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance
needs should be discussed with a licensed insurance agent.
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Florida Flood Insurance Information
FCI Insurance Agency
& Auto Tag Service
8230 Griffin Road
Davie, Florida 33328
Broward County FL
(954) 434-6515
Fax: (954) 434-6524

Florida Flood Insurance Information
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