By Carrie Millar, Director of Insurance Operations, Florida Dental Association Services
As hurricane season looms over Florida, casting a shadow of uncertainty, dental practices find themselves at a crossroads. Amidst the anticipation of turbulent weather, a persistent misconception lingers: “I don’t need flood insurance.” Yet, this myth crumbles under scrutiny in the Sunshine State’s tumultuous climate, where storm surges and torrential rains threaten to inundate even the highest ground. Now, more than ever, as hurricane season bears down upon us, dental practices must heed the call to secure flood insurance, recognizing it as an essential shield against the unpredictable forces of nature.
Myth 1: My office package insurance will cover flood.
Ah, if only it were that simple. While your office insurance might safeguard against many perils, it won’t hold water against floods. Flood insurance is a separate policy designed explicitly to protect your practice from the ravages of external rising waters.
Myth 2: My office is on high ground.
Yes, Florida boasts some elevated spots, but don’t let that fool you. The Sunshine State is known for turning even the driest corners into waterlogged landscapes during storm seasons. Remember the countless floods that have swept through Florida in the wake of past hurricanes? No dental practice is an island when it comes to the threat of flooding.
Myth 3: I don’t own the building; I don’t need coverage.
Think again. Just because you’re not the landlord doesn’t mean your business property is immune to flood damage. Your dental equipment, furnishings, and valuable assets are all at risk when the waters rise. You could be left high and dry without proper coverage, facing significant financial losses and operational setbacks. In Florida, where flood risks loom large, dental practices must heed the call to protect their livelihoods. Flood insurance isn’t a luxury; it’s a lifeline in the face of nature’s unpredictable wrath. So, let’s dispel these myths once and for all and ensure our dental practices stand strong, come rain or high water. Click here to get a quick quote or call/text FDA Services at 850.681.2996.
Beyond the Bite 