{"id":19,"date":"2017-08-14T02:00:00","date_gmt":"2017-08-14T14:00:00","guid":{"rendered":"https:\/\/www.hamiltonfoxins.com\/blog\/?p=19"},"modified":"2017-08-01T08:57:32","modified_gmt":"2017-08-01T14:57:32","slug":"how-to-know-if-you-need-to-add-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.hamfox.com\/blog\/how-to-know-if-you-need-to-add-flood-insurance\/","title":{"rendered":"How to Know if You Need to Add Flood Insurance"},"content":{"rendered":"<p>Living in the Miami, FL area, you may not be sure if you need flood insurance for your home.&nbsp;Those living in elevated areas in the United States often miss the potential for a flood in their home, which can be disastrous.&nbsp;More than 20% of claims for flood damage happens in a low-risk area.&nbsp;The best plan to assess your need for flood insurance is by learning about the characteristics of your home and property.<\/p>\n<ul>\n<li>Look through your property papers and find the &ldquo;Natural Hazards Disclosures&rdquo; from the inspection.&nbsp;Look for a classification of &ldquo;Zone A&rdquo; or &ldquo;Zone B&rdquo; &ndash; meaning the property is in an area prone to flooding by the Federal Emergency Management Agency.&nbsp;You can also locate this information through the county assessor&rsquo;s office.&nbsp;If your property has either zoning, then you need to add flood insurance.<\/li>\n<li>Inspect your property and identify any areas where water run-off could flow onto the property in a heavy storm.&nbsp;If there are storm drains, check to see if they are blocked.&nbsp;Even if your property is not zoned as a high risk for flooding, it could still be flooded.<\/li>\n<li>A home built downstream from any flowing water has the potential to be flooded in unusually heavy rains and will need flood insurance.<\/li>\n<li>Talk to neighbors to find out the area&rsquo;s flooding history or if there have been any recent wildfires nearby because this can indicate a need for flood insurance.<\/li>\n<\/ul>\n<p><strong>Hamilton Fox &amp; Company Inc.<\/strong><\/p>\n<p>Hamilton Fox &amp; Company Inc. provide&nbsp;flood insurance in the Miami, FL area.&nbsp;After you look at your risk factors for possible flooding to your property, contact a Hamilton Fox agent.&nbsp;The agent will help you to decide if you need to add flood insurance to your homeowner&rsquo;s policy. Our agents are here to answer your questions and make you feel confident about your coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Living in the Miami, FL area, you may not be sure if you need flood insurance for your home.&nbsp;Those living in elevated areas in the United States often miss the potential for a flood in their home, which can be disastrous.&nbsp;More than 20% of claims for flood damage happens in a low-risk area.&nbsp;The best plan [&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":[7,8],"class_list":["post-19","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hamilton-fox-company-inc-2","tag-miami-fl"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19","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=19"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"predecessor-version":[{"id":20,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions\/20"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}