Flood Insurance in Lutz, Land O'Lakes, Wesley Chapel, New Tampa & Beyond

Flood InsuranceFlood insurance is not required in many areas, but even if you don’t live in a geographic region considered to be a flood zone, your Florida home may be vulnerable to rising water. Hurricanes and sudden, violent thunderstorms not only cause wind damage; the rain they bring can cause enormous damage to homes and businesses in Lutz, Land O’Lakes, and surrounding areas. And unfortunately, standard homeowners and business policies do not cover flood damage. That means that if your home or office becomes inundated, you may be stuck with the entire bill for repair.

Fortunately, the independent agents from Shoemaker & Associates Insurance are here to provide advice and guidance for acquiring flood insurance coverage through the National Flood Insurance Program (NFIP). The NFIP came into being in 1968, when the federal government recognized the need to aid U.S. consumers who were unable to receive flood coverage for goods and property because the costs of such coverage made it prohibitive for private carriers. This complicated matters for homeowners, many of whom were required to carry flood protection by their mortgage holders. Without flood insurance, homeowners might not be covered for:

  • Storm surge flooding
  • Tidal surge flooding
  • Overflowing lakes, rivers, or ponds
  • Runoff water
  • Other damage caused by flooding

Although it may sound complicated, be assured that the experts from Shoemaker can simplify matters for you when you seek flood insurance with our agency. We’ll work with you to determine how much flood coverage you need – and we’ll never steer you wrong. One of the many benefits of working with Shoemaker is our ability to let you place all your insurance needs under one roof. Imagine the convenience of receiving quotes for car insurance, homeowners insurance, business insurance, and more from one independent agency. The time and money you save will amaze you, as will our personalized, one-to-one service. Contact us today for more information about flood insurance in Lutz, Land O’Lakes, Wesley Chapel, New Tampa, and elsewhere in Pasco and northern Hillsborough counties.