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Carpenter Insurance News & FAQs

What is covered by Florida flood insurance from the National Flood Insurance Program?

National Flood Insurance ProgramIn 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.

The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

The following is what is covered under the National Flood Insurance Program. Be sure to read your policy carefully for all coverage amounts, limitations and exclusions.

  • The insured building and its foundation.
  • The electrical and plumbing systems.
  • Central air conditioning equipment, furnaces, and water heaters.
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers.
  • Permanently installed carpeting over an unfinished floor.
  • Permanently installed paneling, wallboard, bookcases, and cabinets.
  • Detached garages (up to 10 percent of Building Property coverage). Detached buildings (other than garages) require a separate Building Property policy.
  • Debris removal.
  • Personal belongings such as clothing, furniture, and electronic equipment.
  • Portable and window air conditioners.
  • Portable microwave ovens and portable dishwashers.
  • Carpets not included in building coverage (see above).
  • Clothes washers and dryers.
  • Food freezers and the food in them.
  • The insured building and its foundation.
  • Certain valuable items such as original artwork and furs (up to $2,500).

Excluded From Flood Insurance Coverage

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.
  • Currency, precious metals, and valuable papers such as stock certificates.
  • Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.
  • Living expenses such as temporary housing.
  • Financial losses caused by business interruption or loss of use of insured property.
  • Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy).

*See specific policies for coverage, limitations & exclusions

Florida Flood Insurance for the Following Florida Communities:  Navarre, Pensacola, Gulf Breeze, Pace, Cantonment, Panama City, Ft. Walton Beach, Mary Esther, Shalimar, Niceville, Valparaiso, Destin, Milton, Escambia County, Santa Rosa County, Okaloosa County, Walton County, Bay County

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