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Insurance hotline determines coverage

If your home or business took on water during the storm. How it got in will determine what your insurance will cover.

If your roof leaked, your property insurance should handle it. But if it's rising water that comes in over your threshold it's flood damage. And only flood insurance will cover your losses.

"The problem that insurance agents have always endeavored to work around is the flood zone determines if the lender requires the borrower to buy flood insurance. So when you live in Cantonment or Ensley, an area that historically doesn't flood one would think there's no need to buy it, but I think what these rains have shown, that you can be flooded anywhere. It doesn't matter what flood zone you're in. You can be flooded," said insurance agent Eddie Zarahn.

If your car was damaged, he says your car policy's "comprehensive coverage" should pay for it. If you do have insurance questions the state's chief financial officer is asking people to call the Florida Department of Financial Services' insurance consumer helpline for insurance help. That number is 1-877-693-5236

The hotline will be able to take calls this weekend from 8 in the morning to 5 in the afternoon. The Pensacola office on East Burgess Road will also be open this weekend from 8 to 5. Florida's financial service department representatives will be at the Pensacola office to offer assistance.