Estero, Florida Water Damage

Do you live in an area that is likely to be affected by Estero flooding?

Do you live in an area that is likely to be affected by Estero flooding? If yes, then you need to purchase flood insurance. This is a requirement from the Federal Emergency Management Agency (FEMA).

It is true that people who live in a relatively dry climate are still victims of flooding. It is important to but Estero flood insurance to cover damages that may result from storms, melting snow, inadequate or overloaded drains or hurricane non-wind damages.

The regular home owners insurance does not cover your home and property against Estero water damages. Statistics show that about twenty five percent of Estero flood claims are filed by people that have low to moderate risk of flooding. You cannot add flood coverage to your home owner’s insurance policy as a rider. You must buy this Estero Flood coverage from an insurer associated with the National Flood Insurance Program (NFIP).

This coverage can be purchased at any time unless the threat of flooding is imminent. There is a thirty day waiting period before Estero flood insurance becomes active.

Estero Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from ANY SOURCE, and mudflows.

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence Estero flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover Estero floods as a result of earthquakes.

(more…)