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