I have lived in Florida for 25 years and I would never be without flood insurance. Even if I am not in a flood zone. There are so many things in Florida which could go wrong related to water damage which is not covered by regular household insurance. Ask those people in the Panhandle in the Hurricanes several years ago. State Farm would not honor water damage for those not having flood insurance when the Hurricane not only caused physical damage to the houses but also caused water damage inland from the rising gulf waters. SF paid what they said was damage from the Hurricane but not damage from water. I believe lawsuits are still not resolved. The cost of the government underwritten flood insurance for homes not in a flood plain is so very low that it is not worth it to not have it. Over the years, I have seen rain come down so heavy that the back yard flooded from run off from neighbors yards and came up to my sliding glass doors and seeped in to the living room. I have seen rain during a tropical storm driven so hard by wind, it come in through the crack in a door or window. Why risk a fight with the insurance company over water damage? The cost of Flood insurance is so low, it is worth the peace of mind.
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Ray
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