Insurance Preparations

Review your homeowner's policy every year before hurricane season begins on June 1st.

If your property value has increased, you've added an addition, or you've purchased expensive items such as computers, stereo equipment, etc., you may want to increase your coverage.

Check your policy for windstorm and flood coverage. Depending on where you live, you may need an additional policy to cover wind damage from hurricanes. Know what deductible your policy has.

Your standard policy does not cover flood damage. You or your agent can obtain flood insurance by calling the National Flood Insurance Program at (800) 638-6620, but be advised there is a waiting period, so you must do this in advance of a hurricane threat.

If you rent, purchase renter's insurance for your personal property.

Know what your policy does and does not cover. Many policies will NOT give you the money to replace the damaged contents of you home. You will just get the cash value, which is often far less than the cost of replacement. Be sure to check and see if your policy will pay for temporary living expenses if your home becomes uninhabitable. Ask your agent detailed questions to be sure you know what coverage you have.

For insurance problems, you can call the Florida Department of Financial Services at (800) 342-2762

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