What’s Covered by Flood Insurance Florida?

April 22, 2022

Flood insurance Florida can be a valuable investment regardless of where you’re located. Unfortunately, if you don’t live in an area that gets frequent flooding you may be a bit confused as to what your flood insurance Florida policy covers. While it’s important to note that policies can differ depending on who your provider is, there are many common inclusions and exclusions from policies that you can use as a rule-of-thumb.


Almost all policies will include repairs to physical structures within your home. However, this does not mean that slight damage to one area of a room will call for a complete room renovation. Flood insurance Tampa policies will only cover what was actually damaged in the event.

Your policy will also cover your personal property. This means that everything from appliances to your laptop would be claimable in the event of a disaster. However, there is one important stipulation that you should be aware of when considering your insurance plan. Generally, there is a limit to the amount you can claim towards personal items. For this reason, to ensure that all of your belongings are covered, you should talk with your insurance provider.


After a severe flood, it takes significant time for homes and buildings to dry out. This means it’s not uncommon to find mold in your home during the aftermath. Your plan does not always cover this mold, especially if it resulted from negligence. If you had an opportunity to prevent mold growth and the growth is not directly caused by the associated flood, you will likely not be covered. If you are concerned about mold growth in your home, FEMA explains steps you can take to help limit and prevent it after a flood.

Along with mold damage, your flood insurance Florida likely will not cover any hard currencies. Any paper money, precious metals, or certificates of items like stocks are extremely difficult to prove ownership of. In the past, this has led to higher fraud rates among these items (learn more about insurance fraud from the Florida Office of Insurance Regulation). As a result, many plans decline to cover these various items within their Tampa homeowners insurance.

Flood Insurance Florida | HH Insurance

Before signing off on your new flood insurance Florida plan, you should speak with your insurance agent and make sure you understand what is and isn’t covered in your new policy. Misunderstandings about coverage lead to additional stress in the event that a tragedy does occur. HH Insurance finds policies that address your needs! We will also make sure you understand every part of your policy before you sign. Visit the HH Insurance website and contact us today!


**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.