If you know a flood is coming, you should shut off the gas and electricity and move valuable contents upstairs. It is unlikely that you will get much warning, so a detailed checklist prepared in advance would help ensure that you don’t forget anything.
If you don’t have flood insurance, talk to your insurance agent. Homeowner’s insurance policies do not cover damage from floods. However, because Sunny Isles Beach participates in the National Flood Insurance Program, you can purchase a separate flood insurance policy. This insurance is backed by the Federal government and is available to everyone, even for properties that have been flooded.
Some people have purchased flood insurance because it was required by the bank when they got a mortgage or home improvement loan. Usually, these policies just cover the building’s structure and not the contents. During the kind of flooding that happens in Sunny Isles Beach, there is usually more damage to the furniture and contents than there is to the structure.
If you have flood insurance, double-check that the building coverage is adequate and make sure you have contents coverage.
Remember: Even if the last flood missed you or you have done some flood-proofing, the next flood could be worse. Flood insurance covers all surface floods.
Do not wait for the next flood to buy insurance protection. There is a 30-day waiting period before National Flood Insurance Program coverage takes effect. Contact your insurance agent for more information on rates and coverage.