Flood Insurance in Jacksonville, FL
Flood insurance may cover property owners, renters and businesses from financial losses resulting from flood damage. This standalone policy is often purchased through the National Flood Insurance Program or certain private insurers.
What Does Flood Insurance Cover? 
Flood insurance often includes two types of coverage:
- Building property coverage may help pay for damage involving:
- Foundations, staircases and walls
- Electrical and plumbing systems
- Central air and heating systems
- Water heaters
- Built-in appliances and cabinets
- Detached garages (up to a set limit)
- Personal contents coverage may assist with repairing or replacing the following:
- Clothes, electronics and furniture
- Curtains and portable appliances
- Washers and dryers
- Food freezers and their contents
- Valuable items (up to a set limit)
When Can I File a Flood Insurance Claim?
You can file a claim as soon as flood waters have damaged your property, but there are a few essential steps and timing considerations to keep in mind:
- Make sure your flood insurance policy is active. Most policies (especially through the NFIP) have a 30-day waiting period from the date of purchase before coverage begins.
- Take photos and videos of all damage before removing or cleaning anything. This documentation is crucial to your claim.
- Notify your flood insurance provider within 60 days of the flood event. This is the NFIP deadline for filing a Proof of Loss, which is a signed statement of the amount you’re claiming.
- An insurance adjuster will inspect the damage. Be prepared to show your documentation and receipts for damaged items.
Note that deadlines and procedures may vary if you have private flood insurance. If unsure whether the damage qualifies as having been caused by a flood under your policy, your insurer or agent can clarify.
Learn More
Contact Bacon Insurance today for more information on flood insurance. Our agents are well-equipped to answer any questions you may have and can recommend suitable coverage.