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In the wake of South Florida’s torrential rains, homeowners are confronted with questions about insurance coverage. For flooded homes, documenting damage before cleanup is key to claim approval. Typically, homeowners insurance doesn’t cover flood damage, making separate flood insurance essential. From 2024, flood insurance will be mandated for certain homeowners in Florida.
Most policies don’t cover mold damage but do include mitigation activities. Hiring a public adjuster can assist in the claim process, albeit at a cost. For water-damaged cars, documenting damage and having a mechanic inspect the vehicle before restarting is advised. Boat damage requires similar steps.
While securing flood insurance now won’t cover recent damage, it’s recommended for those in flood-prone areas. Both FEMA and private insurers offer flood insurance, with the choice depending on individual needs. Currently, with Broward County and Fort Lauderdale under a state of emergency, only a federal declaration would enable FEMA disaster relief assistance. Understanding insurance coverage is crucial in managing natural disaster aftermaths.
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