First of all, Skip, what is it, and why do I need it?
Your typical homeowner's policy excludes damage from surface water--you know--from the water that comes from a hurricane or a flood. "Ah, yes," you say, "but I own a condo on the 5th floor." Well, this is also a problem for you condo owners. If the unit above you floods because of a water problem, and your unit is affected, this would also be a flood policy problem. "Yes, Skip, but you see...I am a renter so I don't need flood insurance, right?" Wrong. Because your contents are not covered under the owner's insurance policy. You still need flood insurance, and it is readily available from your insurance provider. If you need help finding a provider, feel free to give me a call.
Living in Pensacola, Florida, so close to the water has lot's of perks--beautiful, clear water; white, sandy beaches; warm, sunny weather; and...HURRICANES! Ok, so the last one is not such a big perk, but you can do something to protect yourself from losing all your prized possessions--i.e. your Elvis record collection and that classic baby blue tux from 1970. All I am saying is...you may want to just check it out--it may cost a lot less than you think and give a better level of protection.
Grace & Peace
Skip Geiser
(850)221-6442
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