The property insurance market in Florida has experienced so many changes in the past few years.  An unprecedented 11 years without a major hurricane strike in Florida may likely come to an end soon!

June 1 marks the beginning of Hurricane season and Florida needs to take notice. The property insurance market in Florida has experienced so many changes in the past few years, you may not know what insurance you actually have available in the event of a disaster. The time to review your policy is NOW!  Many policies now have high deductibles for Storm damage and most do not cover the aluminum and screening over your pool at all.  You never know how much you needed adequate insurance until you don’t have it when you need it!

Make a home inventory. Take a video of the contents of your home and concentrate on close-ups of serial numbers for any large purchase items such as Televisions or expensive electronics.  Inventory forms are readily available by doing a quick internet search.

Here are a few tips:                

  1. Create a “GO-BAG”. In the event there is a need to evacuate, your Homeowners Insurance policy, birth certificates, important financial and personal records and any receipts for large purchases should be included. Don’t forget family photos too.

  2. During hurricane season, make an effort to keep your vehicle full of fuel at all times.

  3. Create a plan and discuss it with your family members and provide that information to relatives. When you evacuate, your loved ones will be anxious to know you are safe.


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John McMenamin, P.A.
John McMenamin is a licensed Tampa attorney and has been a member of the Florida State Bar Association since 2002. Prior to that time, he worked with his past firm in many capacities when not in school, since 1991. John grew up In the small town of Geneva, NY, in the heart of what is now the Finger Lakes wine Country until later moving between Florida And NJ. He graduated from Fairleigh Dickinson University in Teaneck/Hackensack, NJ in 1998 then returned to Florida to start law school at Nova Southeastern in Davie, Florida. After graduation in 2002, he was employed By Marshall & LeValley in New Port Richey, representing clients throughout Florida, which later became LeValley & Napolitano and finally LeValley, Napolitano & McMenamin, P.L. In 2010. As of 2013, he joined Marshall, Thomas & Burnett for a brief time until Summer 2014. In October 2014, John saw the opportunity to provide a broader scope of legal representation in a more personalized small firm. He has lived in Tarpon Springs with his wife and two children since 2005.