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Florida Hurricane Insurance Information from Poe & Associates in Tampa, FL
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 Probably the most alarming threat to Florida homeowners is a hurricane. With its strong winds, driving rains, storm surge, and tornadoes, a hurricane can cause destruction in several ways, making insurance an important ally against financial loss. Technically, however, hurricane insurance does not exist. Whether you own a home in Tampa, Orlando, Miami, or Jacksonville, Florida, you actually need multiple insurance policies to work in conjunction as your hurricane insurance protection.
If there is no such policy as hurricane insurance, you may ask, then how do you get Florida hurricane insurance protection? It begins with your standard homeowners insurance policy. The typical homeowners insurance policy covers wind damage, as well as damage caused by rain entering an area of the home that has been damaged by wind. Your homeowners will probably pay for repairs for wind damage, removal of debris, and living expenses when you are displaced from your home.
As you can see, Florida homeowners insurance does not cover flood damage, which is a major part of a hurricane’s wrath. Flood insurance and excess flood insurance are sold separately from your homeowners insurance. Flood insurance covers rising waters such as storm surge, waves, overflowing bodies of water (rivers, creeks, lakes, etc.), and runoff. If your Florida home is damaged by a flood, your flood insurance would be the policy that paid for repairs, debris removal, etc. Other types of homeowners insurance such as renters insurance, condo insurance, and mobile home insurance do not include hurricane insurance protection; they also require a separate flood insurance policy.
We recommend that you call us to review your Florida hurricane insurance protection to make sure you have the insurance you need to carry you through our state’s hurricane season and beyond. Our agency can assist you with the insurance protection you need to protect you from the loss associated with hurricane damage.
Please call or e-mail Poe & Associates at our Tampa, Florida main office today to find out more about affordable hurricane insurance protection. |
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