Prestige Insurance Group, Inc.

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Prestige Insurance Group, Inc.

Flooded OfficeA storm has left you with a flooded office. Flood repair was not on your to-do list for the day, but now it's one of the most important factors limiting your business from operating.

Floods can cause extensive damage in a number of ways. If you are facing a risk like this, your business insurance should offer the level of coverage and protection you need.

Do You Have Flood Insurance?

In the United States, the government outlines specific flood zones. These are areas where the risk of flooding is considered very high. If your office is located in a flood zone, your traditional property insurance might not include flood coverage from natural events like a storm. In fact, this type of coverage might be written as an exclusion for your property insurance. If this is the case, it's important to purchase an additional policy that specifically provides flood coverage.

This type of additional coverage will help reduce the costs you pay for losses related to the flood. Even if your property insurance does allow for flood coverage, you'll need to take the time to ensure it offers a high enough claim limit to protect against the loss of all of your assets.

What Will Your Flood Coverage Cover?

Most business insurance policies for floods will cover the assets within the business that have been damaged. It is important for you to read through your policy to know the specific level of coverage and the types of items that may not be included.

In many situations, the insurance claim will pay for losses related to the business — including removal of water, cleanup of debris, and replacement of damaged furniture and other items. Your coverage may help replace equipment that's been damaged as well — and in some cases, it will even cover important document loss. If the amount of office flood damage is significant enough to close down your business for an extensive amount of time, the policy may also cover the business interruption.

Now is an excellent time to take a closer look at your business insurance and to find out what type and amount of flood damage you have in place. Doing so can help you safeguard your company from these types of unexpected losses.

We've got you covered. Call Prestige Insurance Group, Inc. at (888) 969-8778 for more information on Miami FL business insurance.
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