Flood Insurance – The Risk is Real

Home insurance Lakeland


In the past five years, all 50 states have experienced flooding. A flood can be devastating to both homes and businesses alike. And you don’t have to live near water to be at risk. Factors such as changing weather patterns or land development can present new flooding hazards for your community.

Did you know that the vast majority of home and business insurance policies do not cover flood losses? Given the amount of destruction that can be done by floods, purchasing a flood insurance policy is a great way to mitigate the potential financial burden from flood damage. But don’t stop there! Here are more things you can do to prepare for flooding and assure you and your family’s safety and financial security.

  • Take photos of your possessions (furniture, antiques and collectibles, musical instruments). Store copies of your other important documents or store electronically.
  • Save receipts for expensive household items as proof of original cost.
  • Make an itemized list of other possessions, such as clothing, books, and small kitchen appliances. The more comprehensive your list, the better.
  • If you experience a flood, once the water has receded, check for structural damage before entering your home. If you suspect damage to water, gas, electric, or sewer lines, contact authorities. Photograph and list all damaged or lost items. Take steps to prevent further damage and contact your agent or carrier to report the loss.
  • Finally, heed official instructions. Monitor potential flood hazards on NOAA Weather Radio All Hazards or on the Internet at NOAAwatch.gov.

If you don’t have flood insurance for your home or business, contact us today!


Heacock Insurance Group – Lakeland and Sebring