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.

 

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What To Do After A Flood

flood-139000_640When floods occur from flash flooding (sudden rapid rising of water along streams or low lying areas) Severe Thunder Storms, Tropical Storms and Hurricanes, the streets and your yard could be covered. The number one catastrophe from flooding is drowning and occurs mostly during flash floods.

If you are under a flood or flash flood warning be prepared to evacuate and head out for higher ground

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.

Stay Out of The Water

Walking through standing or moving water can be hazardous. Only 6 inches of moving water above your ankles can make you fall. Standing water can also build up microorganisms that contaminate and cause skin disease.

Electricity and Water Do Not Mix

The number two cause of death due to flooding is electricity wires and power lines down and even in the water. Electricity can make a pond or standing water charged and deadly. Stay away from them, do not test to see if they are active. Contact your electrical company immediately if you see power lines or wires in or near any water.

Returning Home

If you had to evacuate, return home when officials have stated the area is safe.
Before you enter your home, check the outside and your property. Look for down power lines and gas lines that may be damaged. If you smell gas or hear a hissing noise, contact the fire department immediately. Keep pets and children away from the water and any dangerous places.

Approach your property carefully and check for any entry way damage, roofs that may be falling down, cracks in walls, windows and any outside damages.

Inside your home may have chemicals such as cleaning supplies, gasoline from the garage, and other things commonly used in the home that are now scattered and need cleaning up. Wear gloves and protective clothing and rubber boots.

Check for snakes, some may be poisonous, and small animals on your property and inside your home, that may have come in with the flood.

Check your food and make sure to throw out anything you question. Throw away anything that has been effected by the flood waters. Do not use the waters for washing dishes or baths, ice cubes, or anything, remember this water is contaminated. Check with your local public heath department for a boil water recommendation or for treatment of any water.

Take pictures right away of any damages as your are checking your property and home for insurance purposes. If you can send the pictures to your email or upload to a photo website where you can store them. If anything happens to your camera or phone that takes pictures, you have a back up.

Contact After The Flood

Go to the RedCross.org/SafeandWell website and register. After a storm or event if you have internet access you can go online and let your friends and family know you are ok. If you do not have internet access you can call 1-800-GET-INFO and register or to let everyone know your ok.

Flood Insurance Tips

Homeowners Insurance does not cover flood damage. Flood Insurance is separate policy. Even if you do not live in a flood zone, consider flood insurance in Florida. Once their is a tropical storm or hurricane, in your area, there is a possibility of flooding. Without flood insurance you will pay out of pocket expenses for the damages. In many cases, it takes 30 days after the purchase for a policy to take effect contact us today for more information.

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

 

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