Florida Hurricane Season Has Just Begun: Check On Your Hurricane Insurance To Make Sure You’re Protected

Florida hurricane season lasts from June 1 through November 30. As you make your preparations, it is a perfect time to check your Florida home insurance policy to make sure you have sufficient hurricane insurance.

All Florida homeowners insurance policies include hurricane insurance, but there are additional coverages that you may wish to include in your policy to reduce the financial burden in case of a major storm. Be sure to consider Flood Insurance, and you may wish to lower your deductible to reduce your risk. Make time to speak with an experienced South Florida home insurance expert to review your policy and get recommendations.

You may wish to consider lowering your hurricane deductible. When a named storm causes damage to your home, Florida home insurance companies apply the increased hurricane deductible to your home. In Florida, this can be either $500 for certain properties, or between 2% and 10% of your total loss. This can be a significant amount that you will pay out of pocket if you receive major damage. If you do choose a high deductible, it is wise to make sure you have the funds available to pay the hurricane insurance deductible if it becomes necessary.

Speak with your insurance agent and get their recommendations about Flood Insurance as well. Florida home insurance policies do not include flood insurance coverage, and since storm surge from a hurricane is considered flood damage, you will need flood insurance to be protected if storm surge damages your property. If your home is in a flood zone, you will be required to purchase flood insurance, but it may be a wise choice for other properties as well.

You may decide to make some improvements to your home to reduce the possibility of hurricane damage. Certain improvements can result in a discount on your Florida home insurance, so be sure to inform your agent if you fortify your home against wind damage. Some things that can reduce your insurance rates are improved shingles, roof decking, and hurricane straps or clips. Installing impact resistant glazing and other protective features for your windows and glass doors may also qualify you for hurricane insurance discounts.

Florida Hurricane season can cause many worries and concerns for homeowners, but talking to your insurance agent is one of the best things you can do to reduce your stress and enjoy the beautiful summer and fall weather!