Do You Have the Right Hurricane Coverage for Florida?

2017 was a very busy Hurricane season with 4 Hurricanes being very expensive! Hurricane Harvey (Cat 4) started the ball rolling into Texas Aug. 25, 2017 and leaving extensive damage with Houston and surrounding areas flooded.

On September 10th Hurricane Irma (Cat 4) came into the Florida Keys and ran her course up into Central Florida knocking on our door. About 5.6 million people evacuated, making this storm to cause one of the biggest evacuations ever ordered in the United States.

Hurricane Maria devastated Puerto Rico with winds of 155 mph (Cat 4) on September 20th, 2017. This hurricane took an estimated 3,975 lives and left the island with massive destruction.

Nate made landfall around 7 p.m. CDT Oct. 7th near the mouth of the Mississippi River as a Category 1 Hurricane, then made its final landfall near Biloxi, Mississippi, just after midnight Oct. 8.

All these Hurricanes put the insurance companies in motion for costly catastrophic storms up to $200 billion by early tabulations ( and the most expensive in US history), according to the National Geographic.

We can weather the storms or get out of the way and always be prepared for the unexpected. Have your home owners policy up to date for hurricanes ahead of time. The standard is when the weather service puts up a Hurricane Watch for your area, you cannot make changes or obtain more coverage.

Contact us today to be sure your hurricane coverage is right for you and let us help you get a lower price, ask for a free quote! We have experience with Hurricanes policy’s before the stoprm and claims helping you out after the storm has left. We have been around the block four time with Hurricanes – Charlie, Francis and Jeanne in 2004 and Irma in 2017, all came right to our front door!

Get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

See our other helpful articles for Hurricanes here

 

 

 

 

Photo Courtesy of  Mariamichelle at Pixabay.com

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Hurricane Awareness – Wind Damage – Flood – Storm Surges

Tropical Storms have winds from 39-73 mph. The are not as strong as a hurricane, but have the potential to do damage. Hurricane winds range from 75 mph and up. The stronger the winds the higher the category number for a Hurricane.

Category One – 74-95 mph
Damage to mobile homes and manufactured home that are not anchored, shrubbery, trees, some coastal flooding and minor pier damage. Loss of electricity. Storm surge 4-5 ft

Category Two – 96-110 mph
Damage to possible destruction of mobile homes, manufactured homes, roofs, windows, trees, shrubbery, small craft in unprotected anchorages. Loss of electricity. Storm surge 6-8 ft

Category Three – 111-130 mph
Mobile homes are destroyed. Damage to small residences and utility buildings. Structural damage to homes possible. Flooding well inland very possible. Loss of electricity. Storm surge 9-12 ft

Category Four – 131-155 mph
Extensive damage to loss of curtain wall (an outer covering of a building in which the outer walls are non-structural, used to keep out the weather.) Roof damage to destruction, damage to homes in general, flying debris, flooding, beach erosion. Loss of electricity. Storm surge 13-18 ft

Category Five – 155 mph+
Catastrophic Damage to what ever is in its path. If you do not have to be in a category Five Hurricane, Evacuate! Roof destruction, loss of any utility buildings. Major flooding to lower floors and all buildings and homes on or near a shoreline. Total destruction to mobile and manufactured homes. Extensive damage to homes and buildings. Flooding. Loss of electricity. Storm surge 18 ft +

If you live in a high rise building at the highest floor, you are likely to see more wind damage then on the lower floors, being the wind is stronger at higher levels. Lower levels may experience flooding, depending on the storm surge and category of the hurricane. If you are renting, be sure you have renters insurance, your landlords insurance may cover the building but not your personal belongings.

Hurricane winds are preceded by Tropical Storm winds and should not be taken lightly. Hurricane force most intense winds are on the right side of the eye wall. The eye wall (the inner circular formation of the hurricane) carry the highest winds and rain surrounding it. If you have the eye of a Hurricane coming over your area, you will experience a lull in the storm. This could be for just a few minutes to more depending on the size of the eye, how many miles across, and you do not want to be outside when the eye passes completely. The winds will pick up again for the other half of the storm.

Check your home owners insurance before a hurricane is near your area to be sure your up to date. Once a hurricane watch or warning has been announced you are highly unlikely able to purchase Hurricane Coverage. Flood insurance is not a part of your homeowners insurance coverage and you will have to purchase it separately and will take 30 days to go into effect. Even if you are not in a flood zone, when there is a hurricane in your area, you will run the risk of possible flooding. Purchasing Flood Insurance would be a good idea before the Hurricane season starts.

Contact Us today for a homeowners and flood insurance questions or quotes at 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

Photo Courtesy of TipsDave at Pixabay.com

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When Is It Too Late to Purchase Home Owners Insurance with Hurricane Coverage for Florida

ID-10092951Hurricane Season 2016 is here and we have our first official Hurricane called Danny. Time to keep an eye on the storm and get a list of supplies together just in case. As important as preparing for a storm is, you also need to make sure you have homeowners Insurance with Hurricane Coverage.

Don’t wait for a Tropical Storm or Hurricane watch or warning to be issued for your area. Once there is either of these warnings it is highly unlikely for you to get a NEW policy issued in the state of Florida. If you do not have hurricane coverage and there is a named storm out in the ocean, now would be the time to get a policy before the warnings are up in your area.

Other things to consider for our homeowners policy.

Flooding in Florida

Flood Insurance is not included in your homeowners policy. Flood insurance is separate. Any damage from water that does not include wind and rain from the Hurricane would be covered under Flood insurance.

Check with an insurance agent and be advised that there is a 30 day waiting period before your flood policy can go into effect. You can get a flood policy even if you are not in a flood zone.

Coverage Inside and Out of your Home

Make sure you have a current policy that matches the value of your home and valuables. Now would be a good time to take inventory and re-check everything you want covered.

Don’t Be Surprised

Check into your policy to see how you benefit if there is loss due to a Tropical Storm or Hurricane. Do you have replacement of goods or will you get a cash value.

Windstorm Deductibles

What is your deductible? Don’t wait until a storm had caused damage to find out what you deductible is. Windstorm Insurance usually carries a much higher deductible. Talk to an insurance agent about what are the best possibilities for you.

Take it With You

In the event you need to evacuate your home, take your insurance policy with you. As a back up, make copies and mail to a friend or email to yourself. You can also make copies and keep in a safety deposit box at your local bank.

Have a Pool?

Many pool owners have a screened in pool or a pool cage. Make sure this is also covered on your policy.

Storm Shutters

Having storm shutters may not only be a bonus for your home, but also on your homeowners policy. Ask an insurance agent about a bonus for having the shutters.

After The Storm

Assess your property damage, make notes and take pictures inside and out to present to your insurance agent. Keep receipts of everything your spent in repairs, and what you needed to get your through the storm. Not all may be covered but better to have them then not. If you had to evacuate or leave your property after the storm because of damage, keep receipts of hotel bills, food, rental car, etc.

Call us today to get your questions answered. 863-453-3903

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

Photo Courtesy of FreeDigitalPhotos.net

 


How To Prepare Your Children for a Hurricane

hurricanefloridaHurricanes can be very scary, wind howling, rain, and the possibilities of Tornado’s. We prepare the best we can, keeping a chart of the on coming storm, getting in supplies and making sure there is enough water for the days when there will be no electricity and possibly no drinking water.

Your children should be a part of your preparations. Let them know about how a hurricane works in a basic way they will understand depending on their age and always assure them that they can be safe.

Depending on the strength of the storm and what type of home you live in, you may be required to go to a shelter. Uprooting your kids, and then taking them to an unfamiliar place can be stressful for you and them. Prepare them ahead of time by packing a special suitcase or backpack with their clothes and special toys, coloring books, or stuffed animal they are attached to and let them know they are going to a safe place from the storm. Even if you do not have to leave, you and your children are prepared to go quickly.

If you are staying in your home during a hurricane, let them know that their lives after the hurricane may be disrupted. The TV, video game machines etc, will not be accessible to them because there will be no electricity. Think ahead and have them help you prepare a space in a room, or table with books, paper, crayons, craft supplies for small projects, puzzles, cards, etc. It would be a good idea to have them do the grocery shopping with you to and have special treats to look forward to. They will also see that shopping for a storm is different then your normal grocery list.

With the storm approaching, have them sit with you and listen to the storm updates, and follow the storm on a chart. Ask them if they have any questions about the storm and what fears they may have. Addressing these fears with them and letting them know that you are there for them will be less stress on them.

Once an alert is issued for your area, you may not be able to purchase or change a policy.

Call us today to get your questions answered. 863-453-3903

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.


Preparing For A Hurricane and What to Consider for a Supply Kit

ID-100156365Preparing for a flood, hurricane or tropical storm is to get out of town for many. Securing your home the best you can and hitting the road. Many times a flood can come about with a hurricane or tropical storm. When the warning goes up for a big named storm, you need to think safety and supplies. From June until November it is hurricane season and if you live on any coast you should make plans to pull together a Hurricane supply kit.

Number one on your list should be water.
One gallon per day per person and you should have a least a 3 day supply just for drinking. You will also need water for cleaning, and cooking. When you see bottled water on sale pick up what you need and keep for your supply kit during Hurricane season. If there is no hurricane, you can always drink it up when out of season as long as the expiration date is still valid.

With power outages you will not have refrigeration unless you have a generator and when it comes to food supplies canned or non perishable foods are your best.

Crackers, peanut butter, jelly, bread, canned goods, energy bars, granola bars, powdered drink mixes, etc. What ever your family likes consider this for your food supply, and don’t forget you will need a manual can opener if you do not have on already. Get More Ideas Here

Tip: When Hurricane Charley was on its way on the west coast of Florida, we were caught off guard and had a short time to prepare when it turned in early and came through Ft. Myers to us. Coolers went fast, they were hard to find as well as ice and generators. With the ice I could gather up, I packed it in my freezer and moved many items I could freeze from my fridge to the freezer so it would last longer and we could have a chance to use up the food cooking it on the grill after the storm. You should not eat any food that has been in a refrigerator that has been off longer then 4 hours. A well packed freezer will hold your food good for up to two days. Read More About That Here

Here are some other items you will need;

Coolers and Ice – You may want to have a separate smaller cooler for any medications that need refrigeration.

Medications: At least a 2 week supply should be on hand

NOAA Weather Radio – Always have a NOAA Weather Radio on hand with batteries. The NOAA Weather Service will keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

Land Phone – the old fashioned type that does not use batteries or electricity. Do not depend on your cell phone after a storm. We only had one cell phone provider that worked in our entire area after each hurricane. Even though your cell phone may not be able to make a call, you may be able to take pictures of any damages after a storm or go out of the area. Be sure it is fully charged before the storm hits.

First Aid Kit, Insect repellent and sunscreen, moist towelettes and personal hygiene items

Flashlights and Batteries and if someone in your household has an hearing aid, make sure you have extra batteries.

Copies of personal documents like your insurance policies should be placed in a plastic baggie and sealed.

Baby Supplies – bottles, diapers, formula, baby wipes, medication, Baby Tylenol, baby food, blankets, wash clothes.

Pet Supplies – Food, water, ID tag, carrier, leash.

Emergency Blankets and Towels

Extra Clothes for everyone in your family. Laundry will not be available so you may want to consider doing laundry before the storm hits.

Multi Purpose Tool Kit for any repairs needed.

Gasoline -You will need this for a generator and be sure to fill up your vehicle before the storm.

Propane for your gas grill or Charcoal. If you have a gas grill you can cook on that or make use your supply of charcoal.

No ATM’s without electricity. Keep cash on hand for after the storm.

Once a storm hits and the days after you will be glad you have supplies.

You also may want to consider purchasing a floor fan that can be run by your generator.

Don’t forget your neighbors. Check on them after the storm to be sure they are safe.

 

 

Photo Courtesy of Vlado at FreeDigitalPhotos.net

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