If you don't have flood insurance, talk to your insurance agent, as homeowner's insurance policies usually do not cover damage from floods. However, because Seminole participates in the National Flood Insurance Program (NFIP), you can purchase a separate flood insurance policy. Generally these policies just cover buildings and not the contents. If you do have a policy, check out the amount and type of coverage on your buildings and contents.
Flood insurance covers all surface floods. This insurance is backed by the Federal government and is available to everyone, even for properties that have been flooded previously. Some people have already purchased flood insurance because it was required by the bank when a mortgage or home improvement loan was obtained.
However, don't wait for the next flood to buy insurance protection. There is a 30-day waiting period before NFIP coverage takes effect. Contact your insurance agent for more information on rates and coverage. If your flooding problem is caused or aggravated by sewer backup, check out a sewer backup rider to your homeowner's insurance policy. For more information on flood insurance, please see the Federal website:
Seminole City Hall, 9199 113th St N Seminole, FL 33772 Main: 727-391-0204 Fax: 727-391-5458