尽管风险日益增大,联邦政策存在差距,但许多佛罗里达的房主仍然没有防洪保险。 Many Florida homeowners remain uninsured against floods, despite growing risks and a federal policy gap.

尽管佛罗里达各地的洪水风险不断上升,许多居民仍然没有保险,即使在内陆地区,洪水常常被忽视。 Despite rising flood risks across Florida, many residents remain uninsured, even in inland areas where flooding is often overlooked. 与标准的房主保单分开的洪水保险至关重要,因为它涵盖未包括在典型保险范围内的损害,需要30天才能启动。 Flood insurance, separate from standard homeowners’ policies, is critical as it covers damage not included in typical coverage and takes 30 days to activate. 专家们敦促及早做好准备,谨慎对待未经核实的承包商,并警告在恢复期间发生欺诈行为。 Experts urge early preparation, caution against unverified contractors, and warn of scams during recovery. 虽然私营保险公司现在在联邦停业期间提供保险,从而停止了新的政府政策,但许多房主仍然得不到保护,使他们在暴风雨后很容易遭受重大的财政损失。 While private insurers now offer coverage amid a federal shutdown that halted new government policies, a significant number of homeowners still lack protection, leaving them vulnerable to major financial losses after storms.