 With more than 1,000 miles of coastline, there are many opportunities for flooding in the state of Florida. The Tampa Bay area is no stranger to flooding, either, with the Gulf of Mexico on one side and Tampa Bay to the other. While flooding presents a substantial threat to coastal Florida residents, the entire state is at risk for wind damage. Even if you live in landlocked cities like Orlando, Lakeland, and Tallahassee, extreme winds from hurricanes and tornadoes are always possible. Do you have wind insurance to protect you from the havoc that wind can wreak on your home?
If you have home owners insurance, chances are you also have wind insurance. Most Florida home owners insurance policies include wind insurance coverage. Even though it may not be officially called “wind insurance,” the typical home owners insurance policy covers damage from wind, wind-driven rain, hail, rain, and lightning. So if, for example, the wind ripped open a hole in your Tampa, Florida home and allowed rain to cause water damage, the cost of this water damage would likely be covered by your home owners insurance.
This is the point where many home owners are confused by wind insurance coverage. Wind insurance coverage does cover water damage from driving rain, but it does not cover flooding. Florida residents must purchase a separate flood insurance or excess flood insurance policy to protect their homes from storm surge, tidal surge, overflowing lakes or rivers, runoff water, and any other water damage caused by rising waters.
At Poe & Associates, centrally located in Tampa, we understand why Florida residents are often misinformed about or puzzled with their homeowners, wind insurance, and flood insurance policies. These policies have a lot of verbiage which is difficult to understand, but our team of experienced, qualified homeowners insurance agents will gladly explain your policies and answer all your questions.
For more information about wind insurance coverage, please call or e-mail our Tampa, Florida headquarters today. |
