Flood Insurance
Homeowners policy does not cover damage from rising water (flood, wave wash, tidal surge, etc.). Only flood insurance covers the cost of flood damage and loss. Legislation has made it mandatory for most policyholders with wind coverage to maintain a flood policy. Flood insurance is available through private carriers and the National Flood Insurance Program. Contact your agent or visit www.floodsmart.gov to learn more.
LDM understands the elevated flood risks faced by homeowners and investors across the state and helps clients secure protection that covers building damage, contents, and other losses not included in standard property insurance policies. With Florida’s unique exposure to hurricanes, storm surge, and heavy seasonal rainfall, we emphasize the importance of proactive flood planning and works closely with clients to evaluate their property’s vulnerability and coverage needs.