Is Your Florida Homeowners Insurance Ready for Peak Hurricane Season, Power Surges and Outages?

Living in the Sunshine State typically comes with an abundance of beautiful weather. However, coastal living also means preparing for hurricane season. Storm surges and power outages often come with such intense storms, so it’s important to prepare your home and your family for these weather events. You can also be financially prepared by reviewing your homeowners insurance policy and adding critical endorsements.

What Is Covered by Your Homeowners Insurance?

Your homeowners policy is crucial when it comes to recovering after a hurricane, but it’s important to know your policy’s limitations; many policies have separate deductibles for hurricanes or windstorms. Reach out to your insurer so you fully understand what is and isn’t covered.

For example, the following are typically covered under a homeowners policy:

Wind damage—Most policies will cover damage from winds, including roof damage and broken windows.

Personal belongings—Items such as clothing, furniture, and electronics that are damaged by wind or rain (not flooding) may be covered.

Additional living expenses—If you aren’t able to live in your house while it’s being repaired, your policy may cover temporary housing and other costs.

What Isn’t Covered by Your Homeowners Insurance?

The following are typically not covered by a homeowners policy:

Flood damage—Damage to your home from flooding due to storm surges and rising water is not covered by standard homeowners insurance, so you’ll need separate flood insurance.

Wind damage in coastal zones—In areas deemed high-risk for wind and flood damage, wind coverage may be excluded from homeowners insurance policies and require its own windstorm policy.

Additional Considerations

Hurricanes can vary in intensity, and it can be difficult to anticipate how much damage can result from a single storm. Ask your insurer about endorsements you can add to your policy to account for certain risks. Your insurer can also help determine if you’re required to have certain coverages based on your location.

Contact Us

It’s not guaranteed that hurricane season will include severe storms, but it is essential to be financially prepared in case they occur. The team at Jecopa Insurance P&C in Miami, FL can help you obtain the right insurance coverage for your needs. Contact us today for a personalized quote or more information.