Do you live in an area that is likely to be affected by Captiva flooding?
Do you live in an area that is likely to be affected by Captiva flooding? If yes, then you need to purchase flood insurance. This is a requirement from the Federal Emergency Management Agency (FEMA).
It is true that people who live in a relatively dry climate are still victims of flooding. It is important to but Captiva flood insurance to cover damages that may result from storms, melting snow, inadequate or overloaded drains or hurricane non-wind damages.
The regular home owners insurance does not cover your home and property against Captiva water damages. Statistics show that about twenty five percent of Captiva flood claims are filed by people that have low to moderate risk of flooding. You cannot add flood coverage to your home owner’s insurance policy as a rider. You must buy this Captiva Flood coverage from an insurer associated with the National Flood Insurance Program (NFIP).
This coverage can be purchased at any time unless the threat of flooding is imminent. There is a thirty day waiting period before Captiva flood insurance becomes active.
Captiva Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from ANY SOURCE, and mudflows.
This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence Captiva flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover Captiva floods as a result of earthquakes.
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When you experience flooding call a local qualified Captiva Water damage company that also has mold remediation experience.
What to do yourself if Captiva water floods your home:
- Find the source of the water and shut it off if possible.
- If you cannot stop the flooding call a plumber.
- Call a qualified local water damage restoration company.
- Assess; if it is major flooding, standing water, shut off the power and leave. If it is minor:
- Gets air moving in the wet areas.
- Get damaged wet materials out of the house.
- Throw away non-valuable wet items.
- Move your treasured items to a safe dry area.
- Do not use electrical appliances while standing on a wet surface.
A qualified Captiva Water damage company will:
- Be licensed, insured and certified by industry associations
- Have years of experience in water removal and structural drying
- Have collateral experience in Mold removal, duct cleaning and reconstruction.
- Have trucks, equipment and staff to handle large losses.
- Have technicians who are trained and certified by an industry training agent.
- Hold advanced certifications in specialty skills particular to the Captiva Water Damage Industry.
- Have professional association with licensed Air Testing specialists.
- Offer 24 hour per day emergency services with on call technicians.
- Provide free inspections and estimates for prospect customers.
- Follow IICRC guidelines for water damage restoration.
- Follow IAQA guidelines for mold removal and remediation.
- Back up their service with guaranties and warranties.
Be sure to qualify and hire the best local Captiva Water damage restoration company available in your area. Ask for a written estimate and for the remediation and restoration of your Captiva water damaged property.
