Home Insurance For Hurricane Season

Home Insurance For Hurricane Season – The National Oceanic and Atmospheric Administration (NOAA) recently released a statement about this year’s hurricane season, claiming they expect an “active to extremely active” season. Most Floridians only listen to these yearly predictions with a cursory ear, not really worrying until forecasters start referring to the anticipated path of an approaching storm. Then the most important thing for Floridians is how much coverage they have in their homeowners policy.
Because Florida is frequently in the path of hurricanes, there are certain procedures homeowners should keep in mind. First, review your homeowners policy, and know exactly what is covered and what are the limits of liability. Second, take pictures of all valuables in your home – including electronics, furniture, etc., and place these pictures with a copy of your policy in a waterproof bag. Third, create a hurricane preparedness plan, so that everyone knows what to do, where to go, and who to call in the event of a major hurricane.
With the issues of preparedness and evacuation, statistics show that 65 percent of Florida residents do not have some kind of hurricane plan in place, and 45 percent of residents say that if they are told to evacuate, they would remain in their homes anyway. These are the same type of people who live in North Florida but who said they “survived Hurricane Andrew,” which hit South Florida in 1992.
The National Hurricane Center has warned of four major hazards this season caused by hurricanes, including storm surges, high winds, tornadoes, and flooding. In addition, during the six-month season, there is a 70 percent chance of 3-7 major hurricanes. There is also a 100 percent chance that Floridians without homeowners insurance will be the ones seeking to purchase it after the storm – assuming they still have a home to insure.