The South Florida area enters into the rainy months of the year in April. Typically, April and May come along with plenty of thunder storms and precipitation. This type of year can be a struggle for homeowners, if they are not prepared.
Rain can cause flooding, which can damage your home. It’s important to be prepared before the floods start. Make sure you take the time to complete a full inspection of your property. Look for any damage, make sure drains are free of debris and make sure all your drain spouts are in good working order.
Along with preparing your property for the rainy season, you need to make sure your flood insurance and homeowners’ insurance are up to date. FEMA says that flooding is the most common disaster homeowners’ face in the United States. Since Fort Lauderdale is only a few feet above sea level, it’s important to be prepared.
Understanding your flood and homeowners’ insurance policies is very important. Flood insurance is a requirement for your mortgage, in many cases, because homeowners’ insurance doesn’t cover flood damage. Even if you don’t live in a flood zone, you may need flood insurance.
You can get flood insurance for less than $200 per year and this is a necessary protection for many. With a flood insurance policy, you won’t need to worry about a loss because it will be covered. It will compensate you for everything covered under the policy and you won’t have to repay a loan used to replace all your items.
Make sure you have an up-to-date policy that covers everything from the property to the personal belongings. If you don’t you could find yourself in a bad financial spot after a flood causes havoc on your property.