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Flood Insurance Agency Fort Myers

Flood Insurance Fort Myers

Floods are the most common and widespread natural disasters in the United States. With climate change and the increasing frequency of severe weather events, the risk of flooding has only grown greater. 

Protecting your home and your belongings from flood damage is crucial, and having the right flood insurance coverage is the key to ensuring that you can recover from a flood disaster. At Bassine Insurance, our mission is to provide you with the best insurance products and customer service to help you navigate the complexities of flood insurance and give you peace of mind.

Why Flood Insurance Matters

Floods are considered the most common natural disaster in the United States, affecting millions of people and causing billions of dollars in damage annually. Unfortunately, most standard homeowner’s insurance policies do not cover flood damage, leaving many property owners vulnerable to the financial burden of repairing or rebuilding their homes following a flood event. This is where flood insurance comes into play.

Flood insurance is specifically designed to protect your home, belongings, and peace of mind from the financial devastation caused by floods. It covers the cost of repairs or replacement of your property and possessions in the event of a flood, providing you with the necessary funds to rebuild and restore your life.

All About the National Flood Insurance Program and Coverage

The National Flood Insurance Program (NFIP) is a federal program that provides affordable flood insurance to homeowners, renters, and business owners in participating communities. The NFIP aims to reduce the impact of flooding on private and public structures by providing affordable insurance and encouraging communities to adopt and enforce floodplain management regulations.

Flood insurance coverage through the NFIP includes:

This covers the physical structure of your home and its foundation, electrical and plumbing systems, central air conditioning, furnaces and water heaters, built-in appliances, and permanently installed carpeting and flooring.

This covers your personal belongings, such as clothing, furniture, electronics, and portable appliances.


While the NFIP offers a basic level of flood insurance coverage, there may be gaps in coverage that leave you vulnerable to financial loss. At Bassine Insurance, we work with you to determine your specific needs and tailor a comprehensive flood insurance policy that fills those gaps, ensuring your property and belongings are fully protected.

How Do You File a Flood Insurance Claim?

In the unfortunate event that you experience flood damage, it’s essential to know the proper steps to file a flood insurance claim:

Contact your Bassine Insurance agent as soon as possible and inform them of the flood damage. They will guide you through the claims process and provide you with the necessary forms to fill out.

Before beginning cleanup efforts, take photos and videos of the flood damage to your property and belongings. This documentation will help support your claim and ensure you receive adequate compensation.

This statement details the extent of the damage, the cost of repairs or replacement, and must be submitted to your insurance company within 60 days of the flood event.

Your insurance company will assign an adjuster to evaluate the damage, review your policy, and determine the amount of your claim. Cooperate with the adjuster and provide them with any requested documentation.

Bassine Insurance: We Aim to Protect You

At Bassine Insurance, our primary goal is to provide you with the best flood insurance coverage that grants you peace of mind and financial security in the face of unpredictable natural disasters. 

Our experienced and knowledgeable team will work closely with you to understand your unique needs, find the most suitable policy, and ensure you’re fully protected against the potentially devastating effects of floods.

Don’t leave your home and possessions vulnerable to flood damage. Contact Bassine Insurance today, and let us help you protect what matters most to you.