3700 West Hillsboro Boulevard
Deerfield Beach, Florida 33442
Welcome To Alberto Insurance . English / Spanish / Portuguese 3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442
Welcome To Alberto Insurance . English / Spanish / Portuguese 3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442
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We are an insurance company built to back you up when you need it most.
It's required for some residents, but a good idea for everyone else. Flood insurance claims are on the rise for homes located in low to medium risk zones. Storm season is never far away. Don't go without flood insurance. Let AlbertoInsurance find you affordable coverage so you can have peace of mind all year long.
If you live in a high-risk flood zone in Florida, you will be required by law to carry flood insurance.
Even if you don't live in a high-risk zone, you're still not in the clear. Every year a large number of flood insurance claims come from low and medium risk zones. Protect your home and your valuables with an affordable flood insurance policy.
Storms, flash floods and even construction work alter water drainage and can wreak havoc on your property. Restoring your home after a flood is a massive undertaking that financially ruins many Florida residents.
In the wake of rising flood insurance costs and mandatory coverage requirements, the National Flood Insurance Program was created. This program offers affordable, government-backed coverage for flood-prone properties, with a limit of up to $250,000.
If you need higher coverage and additional policy benefits, private flood insurance is an ideal option for your home.
In the event of a flood, insurance can cover the cost of the damage. The cost of replacing everything on your own can be enormous. Most people don't realize the value of everything they have in their home. A Florida flood insurance policy can include coverage for:
Some effects of a flood are not covered by the policy, including:
Damage caused by mold or fungus that could have reasonably been prevented is not covered by your flood insurance policy. This also includes any damage caused by earth movement, even as a result of a flood.
Business interruption and the financial losses that come with it are not covered by a flood policy. Neither is loss of use of the home nor temporary housing expenses while the damage to your home is being repaired.
Vehicles, cash and personal belongings, whether stored outside or inside your home, are not covered by flood insurance.
Florida has a high flood risk, but it divides areas into risk categories to help homeowners and local authorities prepare for flooding. Flood zones are classified as follows:
At AlbertoInsurance, we help homeowners find the insurance that best fits their needs. Flood insurance premiums vary based on risk and the size of the home. The average annual flood insurance premium is around $700.
Compensation for damage suffered during a flood can be paid out in one of three ways, depending on your policy.
The amount your policy commits to paying, regardless of current value.
The cost of replacing, rebuilding and repairing your home and your belongings.
The cost of repairing your home after a flood.
You can't pick up your house and move it somewhere else. But you can reduce your flood risk with careful planning.
Taking these extra precautions can lower your premium:
One inch of water may not seem like much, but its effects can be devastating. Being prepared can make the difference between a simple inconvenience and total financial ruin.
Flood insurance premiums must be paid in full and can only be purchased through annual payments.
Flood insurance policies have a separate deductible for the building and for the contents of your home.
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Premiums vary and depend on factors such as the deductible you choose, the value of the policy, the location of your home, its foundation and the risk of your flood zone.
A AlbertoInsurance Insurance agent can find you affordable flood insurance for your home and personal property.
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Most flood insurance policies will not take effect until 30 days after purchase. Don't wait.
Start planning your AlbertoInsurance flood insurance policy today.
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Local agents know the area well. Finding affordable flood insurance on your own can be overwhelming. And at AlbertoInsurance, agents take the time to look for the policy that's right for you.
They are available 24 hours a day, 7 days a week, and have the knowledge and experience to answer any insurance question you may have.
Federal law requires flood insurance for homes with federally backed mortgages located in FEMA high-risk flood zones (Zone A or V). Even outside the high-risk areas shown on the maps, many Florida homeowners buy flood coverage, since more than 25% of NFIP claims come from low or moderate risk areas.
No: homeowners insurance covers wind-driven rain that enters through a damaged roof or wall, but it never covers rising water caused by a flood. Pair your home policy with a separate flood policy for complete storm protection.
AlbertoInsurance® flood insurance covers the building and its contents against direct physical loss caused by flooding, including storm surge and inland flooding, subject to NFIP limits ($250,000 for the building and $100,000 for contents in the case of single-family homes). Ask about replacement cost value where available.
Look up your address in FEMA's Flood Map Service Center to find the official flood zone designation, along with local elevation data. Your agent can review your lender's flood requirements and compare NFIP rates with quotes from the private flood insurance market for your specific property.
Yes: flood damage caused by a hurricane's storm surge or by inland flooding is covered by a flood policy. Wind damage is covered by your home policy or by a specific windstorm policy. Many post-hurricane claims involve both perils, so it's wise to coordinate your flood and wind deductibles with your local agent ahead of time.
