Hurricane Season Survival Guide: Insurance That Won't Blow You Away
Hurricane season is upon us, and if you're a Fort Myers homeowner, you know the drill. Stock up on supplies, board up windows, and maybe even make a playlist of your favorite power-outage jams. But have you checked your insurance policy lately?
Hurricane Insurance Essentials:
It's not just about homeowner's insurance. You need a hurricane-ready arsenal:
Homeowners Insurance: Covers wind damage to your house and belongings.
Flood Insurance: Protects against storm surge and flooding, which is not covered by homeowners insurance.
Windstorm Insurance: This might be required or recommended in certain parts of Florida for extra wind damage coverage.
Know the Hurricane Insurance Lingo:
Hurricane Deductibles: These are higher than your regular deductible and kick in specifically for hurricane damage.
Additional Living Expenses (ALE): If your home is uninhabitable after a storm, ALE helps cover temporary housing, meals, and other living costs.
Policy Limits: Make sure your coverage limits are high enough to rebuild your home and replace your belongings at today's prices.
Don't Wait for the Storm to Hit:
Review your policy now, not when the news is broadcasting evacuation orders. Call me about any updates you need to make, especially if you've renovated your home or bought any new valuables. And if you don't have flood insurance, get on it! There's usually a waiting period before it takes effect.
We're Your Hurricane Insurance Experts:
We know hurricanes can be scary, but insurance doesn't have to be. Let us take the stress out of the equation. Contact us today for a free policy review and personalized recommendations to keep your home safe and sound, no matter what Mother Nature throws our way.
