What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mud flow. Many conditions can result in a flood: hurricanes, broken leaves, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

Floridians understand the serious damage that floods can do in. Even the small ones can often leave their mark of destruction. However, flood coverage can often be overlooked, since it’s not included in a standard homeowners policy. Often, Florida residents find out about this much too late.

At Umbrella Protection Insurance, our agents work hard to find the flood policy you need to protect your home and property. We work with different carriers in order to find the coverage that best fits your needs and budget.

We want you to be confident that our flood policy will come through for you to protect your property from water damage, sewer backup, and mildew resulting from floods. Besides paying for repairs to your building, our flood coverage also includes expenses to pay for your damaged contents.

At Umbrella Protection Insurance, we’re your flood insurance experts. To learn more, please contact us at any time, or simply fill out our free quote for