Florida Homeowners Insurance – Storm Season is Upon Us
Now that storm season has arrived in Florida, I want to share a few important tips to help you prepare. Taking a personal inventory of your home is essential in the event of a claim. Use your phone to photograph or video your belongings and store the files safely. During severe storms, you may not be able to leave your home, so make sure you have enough food and water to last several days.
You should also know your local evacuation route. Pay attention to posted signs that guide you toward safer areas if a hurricane approaches. If you evacuate, homeowners insurance may or may not cover lodging. This benefit typically applies only if your home is damaged and unlivable or if a mandatory evacuation is ordered. Leaving voluntarily does not qualify.
Florida homeowners insurance companies expect you to take reasonable steps to protect your home from further damage after a storm. This helps reduce additional losses and speeds up the rebuilding process. Boarding windows or drying out water‑damaged areas are examples of mitigation. Keep receipts for any expenses — many carriers reimburse these costs.
Speaking of water damage, remember that homeowners insurance does NOT cover flooding. Now is an ideal time to consider flood insurance. Call me at 352‑200‑2066 for a quote. Flood policies typically have a 30‑day waiting period unless required by a lender for closing, so act now to ensure you’re protected.
If you experience a loss, contact your homeowners insurance company immediately and follow the instructions provided by the claims specialist. I can also assist you during this process. Stay tuned to local news and official sources like FEMA for the latest storm updates.
If you’ve been considering new Florida homeowners insurance, now is the time. Insurance companies stop writing new policies when storms are imminent. I can help you find competitive rates from top‑rated carriers today. Request a quote using the form below or call 352‑200‑2066. Stay safe.
