If you saw the spot where my house is there is not a chance you would buy Flood Insurance. I'm in a Y zone. That means almost impossible. The policy was $300 for the year. I'm glad I had it after Irma came thru because the water flooded the street, the yard and was within inches of our Golf Cart Garage.
For 3 Beans, I rest easy. It is a separate policy and it takes 30 days to become effective. Can't pick up the phone and activate a Flood Policy when the Storm is coming at you.
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