Miami Business Flood Insurance

sunken Florida restaurant

We think you'll agree that Florida business flood insurance is of great importance.

No one knows when a flood will occur. Regardless of where your business is situated you can experience flooding.

Flood insurance is as straightforward as it sounds...it's an insurance policy that protects you against damages and losses due to flooding.

Most businesses are insured against snow, fire and theft as part of their building’s overall insurance. But such insurance policies don't cover against floods.

What Does Business Flood Insurance Cover?

General Building Coverage: This part of the policy makes sure that any damage to your building is covered. This includes fixtures, building contents or the machinery. This is especially beneficial since anything that's damaged due to flooding is covered, which is something you will not find with most other insurance policies.

Sandbagging: Sandbagging refers to preventive measures put in place to protect your business against flooding. What’s more, with business flood insurance you'll be refunded for the expenses of sandbagging. This basically means protecting yourself at no cost.

Clean Up: Clean up includes any service that may be needed after floods have stricken your commercial building and includes services such as cleaning your building, removing debris, etc.

You will first be required to pay for the cost out of your pocket before being refunded through the claim to your insurance company.

Tips When Buying Flood Insurance Coverage

Coverage Limitations: When obtaining your quote for the flood insurance, you should ensure that the coverage offered by your insurer gives the ideal level of protection to make certain that your business is wholly covered in a range of situations.

Assess the Business’ Risk: Regardless of where your business is located, it is very crucial to evaluate all the risks of your property being subjected to flood damage of any kind. Depending on the risk, make sure that the type and level of coverage offered by your insurer is adjusted accordingly.

Ask for Referrals: There are many flood insurance companies today and choosing the right one can be overwhelming. Ask around! Ask your local family members, friends or even neighbors to see which insurer they are using for this crucial coverage. Ask them questions relating to the rates, level of satisfaction, and reliability.

Getting Help After a Loss

After a flood we encourage you to call us for assistance. As Miami public adjusters we can help you understand how to best proceed against your insurance company inside the claims process.

Be aware of your insurance company's main goal: mitigate the payout on your claim.

When you call us and arrange your free consultation we'll be able to look at your policy, explain the claims process and then make sure you understand how we can help you get treated fairly.

Click here to read about the benefits of hiring a Florida public adjuster.

Give us a call today or fill in the form below...

Off: 855-777-CLAIMS (2524)
Fax: 786-717-6487

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Miami Public Adjuster > Business Insurance > Business Flood Insurance