FBy Steve Papola, Allstate Agent
Did You Know?
(Especially in Florida)
Flooding is the most common natural disaster in the
United States, affecting every state. No home is completely
Just one inch of water in a home can cost more than $25,000 in
damage—why risk it?
The Cost of Flooding.
pay out of pocket or take out loans to repair and replace dam-
and more fully.
Do You Need Flood Insurance?
Here are some important facts to keep in mind:
FACT: Homeowners and renters insurance does not typ-
FACT: Flood insurance can pay regardless
of whether or not there is a Presidential
FACT: Disaster assistance comes in
two forms: a U.S. Small Business Administration
loan, which must be paid back
with interest, or a FEMA disaster grant,
which is about $5,000 on average per
household. By comparison, the average
and does not have to be repaid.
Facts about Flood Insurance.
Ninety percent of all natural disasters
moderate risk areas. Homeowners poli-
ing into a new home, apartment or business
location, ask your mortgage lender,
fessional if the location has been known
Program (NFIP) will also be able to pro-
Flood Insurance Basics.
little different than other policies.
• Floods are not covered under
homeowners and renters policies. Only a
eral government. Homeowners, renters and businesses can
• Flood insurance covers direct physical losses from
by waves or currents of water exceeding anticipated cyclical
• Flood insurance coverage for the structure and contents
of the home are sold separately. Buildings are covered for replacement
cost, but coverage for personal property is available
on an actual cash value basis only.
$250,000 for the structure of the home and $100,000 for the
contents of the home.
• Flood losses for cars are covered under the optional,
Protect Your Passions
AUTO HOME BOAT MOTORCYCLE
Your Choice Auto
• Accident Forgiveness
• Sign Up Bonus
• Deducible Rewards
• Safe Driving Bonus
Home Owners, Rental and Flood
• Bundle policies and save money
• Just an inch of water can cause costly damage
and hurricane season is upon us!
• 30 day wait on flood insurance, so call today!
DON’T THINK YOU QUALIFY FOR ALLSTATE? YOU’D BE SURPRISED!
Call us at (813) 995-6013 or Toll Free: (888) 995-6019
Call real people who work hard to get you the best rates.
STEVE PAPOLA, AGENT
Centurion Insurance and
Financial Services, Inc.
Don’t waste time with online quotes.
1528 Land O’ Lakes Blvd., Suite 102
Lutz, FL 33549
8 • JAN/FEB 2019 813.682.9364 FLORIDA WOMEN MAGAZINE