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How do I know if I need flood insurance?

Most standard homeowner's insurance policies do not cover loss due to flood. The law requires that if your home is located in a Flood Hazard Area you must purchase flood insurance. If you choose, you can obtain flood insurance coverage even if you are not required to do so by the lender. The law requires lenders to do a flood hazard determination on all properties securing a mortgage. Many properties in Lee County Florida are located in flood zones. Be sure to verify your property's elevation above sea level as this can effect your insurance rates. Please visit FEMA for more information

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