{"id":271974,"date":"2023-09-11T10:00:17","date_gmt":"2023-09-11T14:00:17","guid":{"rendered":"https:\/\/www.miamibeachfl.gov\/?page_id=271974"},"modified":"2026-03-02T15:22:13","modified_gmt":"2026-03-02T20:22:13","slug":"flood-insurance","status":"publish","type":"page","link":"https:\/\/www.miamibeachfl.gov\/pt\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/","title":{"rendered":"Seguro contra inunda\u00e7\u00f5es em edif\u00edcios"},"content":{"rendered":"Menu de constru\u00e7\u00e3o\t\t\t\n\t\t\t\t\t<ul id=\"menu-building-department\"><li id=\"menu-item-270333\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/pt\/city-hall\/building\/permits\/\">Pedido de Permiss\u00e3o<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/pt\/city-hall\/building\/permits\/\">O Processo de Permiss\u00e3o \u2013 Como se Candidatar<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/pt\/city-hall\/building\/permits\/permitchecklists\/\">Listas de verifica\u00e7\u00e3o de permiss\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/pt\/city-hall\/building\/permits\/same-day-services\/\">Servi\u00e7o no mesmo dia<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/pt\/city-hall\/building\/onlinepermits\/\">Centro de Recursos de Permiss\u00e3o Online \u2013 Inscreva-se Online<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/pt\/city-hall\/building\/permits\/interactive-permit-guide\/\">Guia de Permiss\u00e3o Interativo<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/pt\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permiss\u00f5es expiradas e renova\u00e7\u00f5es de permiss\u00f5es<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Recursos de permiss\u00e3o<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Tabela de taxas<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/pt\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Lista de Permiss\u00f5es N\u00e3o Requeridas<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/pt\/city-hall\/building\/permits\/permit-refunds\/\">Reembolsos de Permiss\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/pt\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programa de Anistia por Viola\u00e7\u00e3o do C\u00f3digo de Constru\u00e7\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/pt\/city-hall\/building\/building-recert\/\">Recertifica\u00e7\u00e3o de Edif\u00edcios<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/pt\/city-hall\/building\/permits\/fema-50-rule\/\">Regra Fema 50%<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/pt\/city-hall\/building\/permits\/mdc\/\">Condado de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/pt\/city-hall\/building\/permits\/phased-permits\/\">Permiss\u00f5es em fases<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/pt\/city-hall\/building\/permits\/green\/\">Licen\u00e7as Verdes<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/pt\/city-hall\/building\/statistics\/\">Pain\u00e9is de Estat\u00edsticas<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/pt\/permits-search-dashboard\/\">Busca de Permiss\u00e3o de Arquivo<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/pt\/city-hall\/building\/forms\/\">Formul\u00e1rios<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/pt\/city-hall\/building\/inspections\/\">Inspe\u00e7\u00f5es<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/pt\/city-hall\/building\/violations\/\">Viola\u00e7\u00f5es<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/pt\/city-hall\/building\/contractors\/\">Empreiteiros<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/pt\/city-hall\/building\/contact-us\/\">Contate-nos<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Mais links<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/pt\/city-hall\/building\/faq\/\">Perguntas frequentes<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/pt\/city-hall\/building\/events\/\">Eventos e An\u00fancios<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/\">Gest\u00e3o de Plan\u00edcies de Inunda\u00e7\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/pt\/city-hall\/building\/hurricane-preparedness\/\">Prepara\u00e7\u00e3o para furac\u00f5es<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/pt\/city-hall\/building\/records-management\/\">Gest\u00e3o de Registros<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/pt\/city-hall\/building\/permits\/private-provider-info\/\">Informa\u00e7\u00f5es do Provedor Privado<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/pt\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Registro de Manuten\u00e7\u00e3o Anual<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/pt\/city-hall\/building\/sop\/\">Procedimento Operacional Padr\u00e3o (POP)<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\nMenu de constru\u00e7\u00e3o \u00d7\t\t\t\t\t\t<ul id=\"menu-building-department-1\"><li id=\"menu-item-270333\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/pt\/city-hall\/building\/permits\/\">Pedido de Permiss\u00e3o<\/a>\n<ul>\n\t<li id=\"menu-item-286727\"><a href=\"\/pt\/city-hall\/building\/permits\/\">O Processo de Permiss\u00e3o \u2013 Como se Candidatar<\/a><\/li>\n\t<li id=\"menu-item-271067\"><a href=\"\/pt\/city-hall\/building\/permits\/permitchecklists\/\">Listas de verifica\u00e7\u00e3o de permiss\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-322770\"><a href=\"\/pt\/city-hall\/building\/permits\/same-day-services\/\">Servi\u00e7o no mesmo dia<\/a><\/li>\n\t<li id=\"menu-item-270341\"><a href=\"\/pt\/city-hall\/building\/onlinepermits\/\">Centro de Recursos de Permiss\u00e3o Online \u2013 Inscreva-se Online<\/a><\/li>\n\t<li id=\"menu-item-270340\"><a href=\"\/pt\/city-hall\/building\/permits\/interactive-permit-guide\/\">Guia de Permiss\u00e3o Interativo<\/a><\/li>\n\t<li id=\"menu-item-340585\"><a href=\"\/pt\/city-hall\/building\/permits\/expired-permits-and-permit-renewals\/\">Permiss\u00f5es expiradas e renova\u00e7\u00f5es de permiss\u00f5es<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-312699\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Recursos de permiss\u00e3o<\/a>\n<ul>\n\t<li id=\"menu-item-280603\"><a href=\"\/wp-content\/uploads\/2025\/10\/Building-Department-Fee-Guide-2025.pdf\">Tabela de taxas<\/a><\/li>\n\t<li id=\"menu-item-272445\"><a href=\"\/pt\/city-hall\/building\/permits\/building-permits-not-required-work-list\/\">Lista de Permiss\u00f5es N\u00e3o Requeridas<\/a><\/li>\n\t<li id=\"menu-item-285785\"><a href=\"\/pt\/city-hall\/building\/permits\/permit-refunds\/\">Reembolsos de Permiss\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-285786\"><a href=\"\/pt\/city-hall\/building\/permits\/building-permit-reprieve-program\/\">Programa de Anistia por Viola\u00e7\u00e3o do C\u00f3digo de Constru\u00e7\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-270348\"><a href=\"\/pt\/city-hall\/building\/building-recert\/\">Recertifica\u00e7\u00e3o de Edif\u00edcios<\/a><\/li>\n\t<li id=\"menu-item-298042\"><a href=\"\/pt\/city-hall\/building\/permits\/fema-50-rule\/\">Regra Fema 50%<\/a><\/li>\n\t<li id=\"menu-item-270344\"><a href=\"\/pt\/city-hall\/building\/permits\/mdc\/\">Condado de Miami-Dade<\/a><\/li>\n\t<li id=\"menu-item-270345\"><a href=\"\/pt\/city-hall\/building\/permits\/phased-permits\/\">Permiss\u00f5es em fases<\/a><\/li>\n\t<li id=\"menu-item-270342\"><a href=\"\/pt\/city-hall\/building\/permits\/green\/\">Licen\u00e7as Verdes<\/a><\/li>\n\t<li id=\"menu-item-270346\"><a href=\"\/pt\/city-hall\/building\/statistics\/\">Pain\u00e9is de Estat\u00edsticas<\/a><\/li>\n\t<li id=\"menu-item-286018\"><a href=\"\/pt\/permits-search-dashboard\/\">Busca de Permiss\u00e3o de Arquivo<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-270334\"><a href=\"\/pt\/city-hall\/building\/forms\/\">Formul\u00e1rios<\/a><\/li>\n<li id=\"menu-item-270335\"><a href=\"\/pt\/city-hall\/building\/inspections\/\">Inspe\u00e7\u00f5es<\/a><\/li>\n<li id=\"menu-item-270336\"><a href=\"\/pt\/city-hall\/building\/violations\/\">Viola\u00e7\u00f5es<\/a><\/li>\n<li id=\"menu-item-270339\"><a href=\"\/pt\/city-hall\/building\/contractors\/\">Empreiteiros<\/a><\/li>\n<li id=\"menu-item-270338\"><a href=\"\/pt\/city-hall\/building\/contact-us\/\">Contate-nos<\/a><\/li>\n<li id=\"menu-item-270337\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"#\">Mais links<\/a>\n<ul>\n\t<li id=\"menu-item-270352\"><a href=\"\/pt\/city-hall\/building\/faq\/\">Perguntas frequentes<\/a><\/li>\n\t<li id=\"menu-item-270350\"><a href=\"\/pt\/city-hall\/building\/events\/\">Eventos e An\u00fancios<\/a><\/li>\n\t<li id=\"menu-item-270353\"><a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/\">Gest\u00e3o de Plan\u00edcies de Inunda\u00e7\u00e3o<\/a><\/li>\n\t<li id=\"menu-item-270347\"><a href=\"\/pt\/city-hall\/building\/hurricane-preparedness\/\">Prepara\u00e7\u00e3o para furac\u00f5es<\/a><\/li>\n\t<li id=\"menu-item-270349\"><a href=\"\/pt\/city-hall\/building\/records-management\/\">Gest\u00e3o de Registros<\/a><\/li>\n\t<li id=\"menu-item-270343\"><a href=\"\/pt\/city-hall\/building\/permits\/private-provider-info\/\">Informa\u00e7\u00f5es do Provedor Privado<\/a><\/li>\n\t<li id=\"menu-item-280714\"><a href=\"\/pt\/city-hall\/building\/building-recert\/annual-maintenance-log\/\">Registro de Manuten\u00e7\u00e3o Anual<\/a><\/li>\n\t<li id=\"menu-item-285447\"><a href=\"\/pt\/city-hall\/building\/sop\/\">Procedimento Operacional Padr\u00e3o (POP)<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\n\t\t\t<h1>\n\t\t\tSeguro contra inunda\u00e7\u00f5es\t<\/h1>\n\t\t<ul>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/flood-insurance\/\" target=\"_self\">\n\t\t\t\t<h3>Seguro contra inunda\u00e7\u00f5es<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/helpful-links\/\" target=\"_self\">\n\t\t\t\t<h3>Links \u00fateis<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/flood-awareness\/\" target=\"_self\">\n\t\t\t\t<h3>Prote\u00e7\u00e3o contra enchentes<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"\/pt\/city-hall\/building\/local-flood-hazard-info\/interactive-flood-guide\/\" target=\"_self\">\n\t\t\t\t<h3>Guia de Inunda\u00e7\u00e3o Interactie<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/cost-flooding\" target=\"_blank\">\n\t\t\t\t<h3>Calculadora de danos causados por inunda\u00e7\u00f5es<\/h3>\n\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<p>Miami Beach tem sido proativa por meio de planejamento e projetos para reduzir o risco de inunda\u00e7\u00f5es; no entanto, nossa localiza\u00e7\u00e3o geogr\u00e1fica e altitude tornam Miami Beach vulner\u00e1vel a tempestades e \u00e0 eleva\u00e7\u00e3o do n\u00edvel do mar.<\/p>\n<p>De acordo com os mapas atuais da FEMA, 93% de todos os edif\u00edcios est\u00e3o na \u00c1rea Especial de Risco de Inunda\u00e7\u00e3o, exigindo seguro contra inunda\u00e7\u00f5es para hipotecas apoiadas pelo governo federal e recomendado para todas as propriedades. <!--StartFragment --><\/p>\n<p><strong>A cidade trabalha para reduzir o risco de inunda\u00e7\u00f5es em muitas frentes<\/strong><strong>.<\/strong> Isso inclui um sistema de dunas maduro para reduzir o impacto de mar\u00e9s de tempestade e eros\u00e3o, um programa abrangente de gerenciamento de \u00e1guas pluviais, eleva\u00e7\u00e3o de ruas baixas, um C\u00f3digo de Resili\u00eancia para abordar riscos de inunda\u00e7\u00f5es atuais e futuros para desenvolvimento e constru\u00e7\u00e3o, eleva\u00e7\u00e3o mais alta do pared\u00e3o e avalia\u00e7\u00f5es de propriedades privadas em conjunto com um programa competitivo de subs\u00eddios para mitiga\u00e7\u00e3o de riscos de inunda\u00e7\u00f5es.<\/p>\n<p><!--EndFragment --><\/p>\n<p>O seguro contra enchentes pode ajudar voc\u00ea a reconstruir sua casa com mais rapidez e seguran\u00e7a. Para mais informa\u00e7\u00f5es sobre risco de enchentes e seguro contra enchentes:<\/p>\n\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/hurricanesFL?utm_source=google&#038;utm_medium=paidsearch&#038;utm_term=brand&#038;utm_content=maps_exact&#038;utm_campaign=NFIP_2021_Growth_4FL\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tVisite floodsmart.gov para a p\u00e1gina de seguro contra inunda\u00e7\u00f5es da cidade\n\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/couplelookingatphone-circle.jpeg\" alt=\"women looking at mobile phone\" title=\"casal olhando para o celular\" itemprop=\"image\"\/>\n\t\t<h3>Miami Beach economiza seu dinheiro em seguro contra enchentes<\/h3>\n\t\t\t\t<p>Miami Beach tamb\u00e9m conseguiu aumentar a economia nos pr\u00eamios de seguro contra enchentes em toda a cidade. O Sistema de Classifica\u00e7\u00e3o Comunit\u00e1ria (CRS) do Programa Nacional de Seguro contra Enchentes (NFIP) \u00e9 um programa volunt\u00e1rio que permite que comunidades obtenham descontos no seguro contra enchentes com base na pontua\u00e7\u00e3o geral da cidade e nas caracter\u00edsticas dos im\u00f3veis.<\/p>\n\t\t\t<a href=\"https:\/\/agents.floodsmart.gov\/sites\/default\/files\/fema-nfip-crs-guide-2023.pdf\" title=\"Clique aqui\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Saber mais\">\n\t\t\t\t\t\t\tSaber mais\n\t\t<\/a>\n\t<p>A participa\u00e7\u00e3o de Miami Beach no Sistema de Classifica\u00e7\u00e3o Comunit\u00e1ria oferece \u00e0 maioria dos segurados do NFIP uma <strong>Desconto de 25%.<\/strong> Isso ajuda a compensar o aumento das taxas federais.<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/mbtv-circle.png\" alt=\"mbtv\" title=\"MTV\" itemprop=\"image\"\/>\n\t\t<h3>Assista ao F\u00f3rum do Prefeito Meiner sobre Seguro contra Inunda\u00e7\u00f5es e Redu\u00e7\u00e3o de Riscos<\/h3>\n\t\t\t\t<p><!--StartFragment -->O prefeito Meiner e o Comit\u00ea do Programa de Informa\u00e7\u00e3o P\u00fablica realizaram um f\u00f3rum p\u00fablico em 8 de abril de 2024 para discutir seguro contra enchentes e redu\u00e7\u00e3o de riscos.\u00a0<!--EndFragment --><\/p>\n\t\t\t<a href=\"https:\/\/youtu.be\/tzeuIhfCuBU?si=oGraLQXvAarIXZpi&amp;t=95\" title=\"Clique aqui\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Assista ao v\u00eddeo\">\n\t\t\t\t\t\t\tAssista ao v\u00eddeo\n\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/floodinsurance-circle.jpeg\" alt=\"floodinsurance\" title=\"seguro contra inunda\u00e7\u00f5es\" itemprop=\"image\"\/>\n\t\t<h3>Classifica\u00e7\u00e3o de risco 2.0<\/h3>\n\t\t\t\t<p>A FEMA est\u00e1 mudando a forma como o Programa Nacional de Seguro contra Inunda\u00e7\u00f5es define o pre\u00e7o do seguro contra inunda\u00e7\u00f5es por meio de um processo chamado\u00a0<strong>Classifica\u00e7\u00e3o de risco 2.0<\/strong>. Os segurados s\u00e3o incentivados a entrar em contato com seu agente de seguro contra inunda\u00e7\u00f5es para entender como a nova abordagem de pre\u00e7os pode afet\u00e1-los.<\/p>\n<p><strong>A partir de 1\u00ba de agosto de 2021, os atuais segurados do Programa Nacional de Seguro contra Inunda\u00e7\u00f5es s\u00e3o incentivados a entrar em contato com sua seguradora ou agente de seguros para saber mais<\/strong>.\u00a0<\/p>\n\t\t\t<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\" title=\"Clique aqui\" target=\"_blank\" rel=\"noopener\"  role=\"button\" aria-label=\"Para mais informa\u00e7\u00f5es sobre a Classifica\u00e7\u00e3o de Risco 2.0, visite a FEMA\">\n\t\t\t\t\t\t\tPara mais informa\u00e7\u00f5es sobre a Classifica\u00e7\u00e3o de Risco 2.0, visite a FEMA\n\t\t<\/a>\n\t<p>Com base em dados da FEMA dispon\u00edveis publicamente, o gr\u00e1fico a seguir destaca as mudan\u00e7as estimadas para as pol\u00edticas nos c\u00f3digos postais da cidade de Miami Beach. As mudan\u00e7as s\u00e3o semelhantes \u00e0s estimativas estaduais.<\/p>\n\t\t\t\t<a href=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating.png\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating.png\" alt=\"FEMA Risk Rating\" itemprop=\"image\" height=\"539\" width=\"641\" title=\"Classifica\u00e7\u00e3o de risco da FEMA\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t\t\t\t<a href=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating-2.png\"  target=\"_self\" itemprop=\"url\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2021\/09\/FEMA-Risk-Rating-2.png\" alt=\"FEMA Risk Rating 2\" itemprop=\"image\" height=\"377\" width=\"1248\" title=\"Classifica\u00e7\u00e3o de risco 2 da FEMA\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/www.fema.gov\/sites\/default\/files\/documents\/fema_florida-state-profile_03-2021.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tFl\u00f3rida \u2013 Classifica\u00e7\u00e3o de Risco 2.0 \n\t\t\t<\/a>\n<h3>\n\t\t\tO que fazer antes de renovar\t<\/h3>\n\t<ul>\n<li>Entre em contato com seu representante de seguros caso tenha alguma d\u00favida ou preocupa\u00e7\u00e3o.<\/li>\n<li>Esteja ciente de quaisquer mudan\u00e7as na estrutura da sua casa que possam alterar o seu pr\u00eamio em rela\u00e7\u00e3o ao pr\u00eamio projetado usado para an\u00e1lise.<\/li>\n<li>Saiba que, como segurado, voc\u00ea tem direito a alterar suas sele\u00e7\u00f5es de cobertura ou franquia.<\/li>\n<\/ul>\n\t\t\t<a href=\"https:\/\/www.floodsmart.gov\/why-buy-flood-insurance\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tPara saber mais, entre em contato com seu agente de seguro contra inunda\u00e7\u00f5es ou visite a FEMA\n\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"<p>Building Menu Permit Application The Permitting Process &#8211; How to Apply Permitting Checklists Same Day Service Online Permitting Resource Center [&hellip;]<\/p>\n","protected":false},"author":222,"featured_media":0,"parent":271847,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_searchwp_excluded":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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