Hurricane Insurance Coverage for Florida – When Is It Too Late to Purchase

Hurricane Season is here and its time to 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 up to date with Hurricane Coverage. Once there is a watch issued, binding restrictions can take place within the carriers and aren’t lifted until the storm passes.

Things to consider for your 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 WikiImages at Pixabay.com

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Do You Have the Right Hurricane Insurance Coverage for Florida?

The past couple of years Florida has been busy with Hurricanes. We can weather the storms or get out of the way, but number one is to always be prepared for the unexpected. Have your home owners policy up to date for hurricanes ahead of time. Once there is a watch issued binding restrictions take place within the carriers and aren’t lifted until the storm passes.

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.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.

Then there was Hurricane Michael in 2018 hitting the Florida panhandle near Mexico Beach as a Category 5 doing devastating damage at an estimated $25.1 billion.

Contact us today to be sure your hurricane coverage is right for you, ask for a free quote! We can help you be prepared with your Hurricane policy’s before the storm and claims if needed after the storm has left.

We have experience 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