Top three questions to ask your homeowners insurance provider during storm season


With the recent rain being brought about by Tropical Storm Debby, many Florida homeowners are concerned about the insurance coverage for their home during storm season. Below are the top three questions to ask your homeowners insurance agent/provider. 

 Do I have flood insurance?

  •  Flood insurance in Florida must be purchased separately from your homeowners insurance. Flood insurance is NOT included in your homeowners insurance policy.  
  • According to the National Flood Insurance Program, a flood is defined as “a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”
  •  It is important to keep in mind that t here is a 30 day wait period when purchasing a new flood insurance policy, unless it is necessary for closing a home loan.  

What is a hurricane/wind deductible?

  • Hurricane/wind deductibles are typically different than homeowners insurance deductibles. A standard hurricane/wind deductible in Florida is typically 2% of the total value your dwelling (home) is insured for.
  • Depending on how the damage occurred will depend on whether your hurricane/wind deductible will apply. Contact your insurance agent/provider with further questions.

 What should I do if I think I may have a claim?

  • If there is damage to your home, create a temporary repair to eliminate any further damage.
  • Contact your homeowners insurance provider to explain damage and possibly file a claim. Depending on the type of damage and how it occurred will be factors in determining if the damage is covered.