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

 

Advertisements

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

Save

Save