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According to the NFIP, Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most commercial insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets —your business, your possessions.
The average commercial flood claim over the last 3 years is $91,000 dollars. Flood is considered to be rising ground water. Floods can be caused by heavy rains, storm surge from hurricanes or clogged storm drains. Even though you might not be in a high risk area for flood, you should still consider protection your assets with a flood policy. In April of 2014 Pensacola, Florida experienced rainfall that totaled approximately 26 inches in 24 hours. There was catastrophic flooding across that area. For those who didn’t have flood protection, financial loss was significant.