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Flood Insurance

from Gilliland Insurance Group

Flood Insurance

Did you know that standard homeowner and business insurance policies do not cover floods? This can leave property owners in a dire situation if storms or excess snowmelt cause higher than usual water levels.

Fortunately, there are several flood insurance options available to you in the St. Augustine, Florida area to provide protection in the event of a flood.


The National Flood Insurance Program was created by Congress in 1968 to protect property owners whose investments were damaged by floods. You can get NFIP coverage as a homeowner, business owner, or renter if your community participates in the NFIP. Ordinances in participating communities must meet or exceed FEMA requirements for flood risk management.

Private Flood Insurance

Private flood insurance is also available, which, as the name implies, comes from a private insurance provider, not the NFIP. Private flood insurance generally offers a wider range of coverage with higher limits. It can also be obtained more quickly than enrolling in NFIP insurance.

We’re happy to meet with you to help you select the right flood insurance policy for your property. We’ll explain the difference between replacement cost value (RCV) and actual cash value (ACV), which are both used in calculating insurance reimbursement in the event of a claim.

We love educating every customer about insurance because we’re teachers at heart, not just insurance salespeople. And it’s important to us that all of our customers get the peace of mind they’re seeking by purchasing insurance.

What does flood insurance cover? Building coverage includes:

  • The building and its foundation
  • The electrical and plumbing systems
  • Furnaces, water heaters, and central air conditioning equipment
  • Built-in appliances, such as dishwashers, plus stoves, and refrigerators
  • Permanently installed carpeting

Flood insurance also covers building contents:

  • Furniture
  • Clothing
  • Electronics
  • Portable/window air conditioning units
  • Microwaves and portable dishwashers
  • Carpeting not covered by building coverage
  • Clothes washers and dryers

Call Gilliland Insurance Group today at 904-824-9877 or reach out to us online to talk about your flood insurance needs. With the number of serious weather events lately in the United States, it makes sense to protect yourself from the expenses that a flood could cost your property. Don’t wait until a disaster strikes to get the coverage you need.