Flood Insurance
Flood Insurance in Largo, FL
You never know when disaster may strike and your home may end up flooded with water from a storm. To restore your home in Largo, FL, after a flood and to prepare yourself for an unwanted disaster, you need flood insurance
from Harr & Associates Insurance, Inc.
Types of Coverage
Flood insurance typically protects two different types of property. Our flood insurance is available for both types of coverage, including building and contents coverage.
Building Coverage
Our building coverage in our flood insurance focuses on your building. The coverage includes the foundation as well as the electrical and plumbing systems. We also cover any air conditioning and heating equipment, such as central AC, furnaces, and water heaters.
We also provide coverage for large appliances like refrigerators, dishwashers, and cooking stoves. Our building coverage also covers any permanently installed carpeting.
The focus of building coverage is to help you receive the compensation necessary to restore your building after any damage from flooding.
Contents Coverage
Your home obviously contains far more than what standard building coverage covers. To ensure that your belongings also have protection, consider contents coverage.
Our contents coverage provides reimbursement for portable dishwashers and microwaves, as well as other appliances not included in building coverage. We also cover carpeting that doesn’t qualify under the building coverage restrictions.
We also reimburse you for damage to curtains, furniture, electronic equipment, and clothing. Our coverage focuses on helping you get reimbursement for all of your belongings that may have damage because of a flood.
Methods of Reimbursement
Harr & Associates Insurance, Inc., provides reimbursement to those with our flood insurance through two methods:
- Replacement Cost Value (RCV): For building coverage, you are paid roughly the cost to replace your damaged property.
- Actual Cash Value (ACV): Personal property is valued at the RCV at the time of loss minus the value of any physical depreciation.
Discover what flood insurance can do for you, with Harr & Associates Insurance, Inc., in Largo, FL. Call 727-393-9146
to speak to our experts today.
