{"id":123,"date":"2021-07-29T04:00:00","date_gmt":"2021-07-29T10:00:00","guid":{"rendered":"https:\/\/www.hamiltonfoxins.com\/blog\/?p=123"},"modified":"2021-07-29T18:52:10","modified_gmt":"2021-07-30T00:52:10","slug":"flood-insurance-faqs","status":"publish","type":"post","link":"https:\/\/www.hamfox.com\/blog\/flood-insurance-faqs\/","title":{"rendered":"Flood Insurance FAQs"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Did you know that your home insurance doesn&rsquo;t cover your Pinecrest, FL home against flood damage? For this reason, you need flood insurance from Hamilton Fox &amp; Company Inc. for optimal protection. But what is flood insurance? What does it cover? If you need answers to these questions, read through our FAQs section below.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What does flood insurance cover?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">When you buy flood insurance Hamilton Fox &amp; Company Inc. covers the below:&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Structure of your home:&nbsp;<\/span><\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Did you know that a one-inch rise in water level can cause damage to up to $25,000? Floods can cause unspeakable damage to your structure. As such, you need flood insurance to cover your structure&rsquo;s walls, floor, roof, and other fixed appliances.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Contents:&nbsp;<\/span><\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Flood insurance covers not only the physical structure of your property but also its contents. Assets such as the following are protected:&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Cabinets<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Applies<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Carpet and flooring<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Heating and air conditioning unit<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Electrical and plumbing system<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\">&nbsp;<\/span><\/span><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Is flood insurance mandatory?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">No law in Florida requires flood insurance. However, private and government-backed mortgage lenders will deny you a mortgage when you fail to obtain flood insurance if you live in high-risk flood areas.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What are flood insurance exclusions?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Your flood insurance coverage will not cover the following:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Additional living expenses that you may incur as your home is undergoing repairs. These are covered under home insurance.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Damage caused by earth movement, even where floods are the cause.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Moisture, mold, or mildew damages that the homeowner could have prevented.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Loss of income in case of a business.<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Since floods can strike anywhere, whether you live in low-risk or high-risk flood areas, you need flood insurance for protection and peace of mind. Please don&rsquo;t wait to face the consequences when it&rsquo;s too late. Instead, connect with Hamilton Fox &amp; Company Inc. in Pinecrest, FL for an affordable flood insurance quote.&nbsp;&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that your home insurance doesn&rsquo;t cover your Pinecrest, FL home against flood damage? For this reason, you need flood insurance from Hamilton Fox &amp; Company Inc. for optimal protection. But what is flood insurance? What does it cover? If you need answers to these questions, read through our FAQs section below.&nbsp; What [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,9],"class_list":["post-123","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hamilton-fox-company-inc","tag-pinecrest-fl"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/comments?post=123"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/123\/revisions"}],"predecessor-version":[{"id":124,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/123\/revisions\/124"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}