With the National Flood Insurance Program scheduled to expire at the end of November, Florida Sen. Marco Rubio has pursued a six-month reauthorization from Congress. Many homeowners in the Sunshine State rely on this program that finances flood insurance in areas prone to flooding. The senator urged his colleagues to vote on the insurance extension bill as soon as possible and spare property owners from uncertainty.

In the view of an insurance agent working in the state, the loss of the federally funded insurance would create major problems for property owners. One homeowner in Cape Coral said she would not be able to sleep at night without flood insurance. Without the federal program, barriers might confront her if she tried to buy insurance from a commercial entity.

Large sums of money from the federal program have historically offset losses for property owners. From October 2015 to September 2016, people in Florida insured through the federal government collected over $17 million following floods. Recent storms like Hurricane Michael have placed additional strain on the system, and the federal program could be approaching its limits on payouts. Flood damage in other parts of the country has placed additional demands on the insurance system as well.

A person insured by a private company might also experience delays and denials when trying to make a claim for storm damage. In some cases, the representation of an attorney could be appropriate. A lawyer could study the insurance contract and explain the requirements for coverage. This analysis could give an attorney leverage when trying to counteract tactics used by insurance companies to deny homeowners' insurance claims. If a lawsuit appears to be necessary to hold an insurer to its contractual obligations, a lawyer could organize evidence and prepare to argue the client's case before a judge.

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