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

 


Hurricane Awareness – Be Ready for Wind Damage

ID-10092951Tropical Storms have winds from 39-73 mph. The are not as strong as a hurricane, but these winds could develop into tornado’s. 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 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 curtainwall (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. Be careful, 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  Victor Habbick   FreeDigitalPhotos.net