{"id":1541,"date":"2020-06-16T16:41:35","date_gmt":"2020-06-16T16:41:35","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=1541"},"modified":"2022-05-16T17:27:07","modified_gmt":"2022-05-16T17:27:07","slug":"ultimate-hurricane-preparedness-guide","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/ultimate-hurricane-preparedness-guide\/","title":{"rendered":"Ultimate Hurricane Preparedness Guide"},"content":{"rendered":"

HURRICANE PREPAREDNESS<\/b><\/span><\/h2>\n

DISASTER. It strikes anytime, anywhere. It takes many forms — a hurricane, an earthquake, a tornado, a flood, a fire or a hazardous spill, some are natural, some are man-made. It builds over days or weeks, or hits suddenly, without warning. Every year, millions of Americans face disaster, and its terrifying consequences. <\/span><\/p>\n

The following guide is prepared for Florida Residents by <\/span>Pablo Beach Insurance Group<\/b><\/span><\/a>. <\/span><\/p>\n

HURRICANE INSURANCE <\/b><\/span><\/h2>\n

While it sounds like a good policy to have, there is no specific policy known as \u201churricane insurance<\/b><\/a>\u201d. <\/span><\/p>\n

Damages resulting from a hurricane are typically covered under your standard insurance policy with specific exclusions listed. This is true for standard homeowners, renters, and business insurance policies.<\/span><\/p>\n

The best time to get a policy is as soon as possible<\/b><\/a>. Once a storm warning has been issued, insurers no longer bind coverage. If you wait till a storm is approaching to try and get insurance, then it will be too late. Some polices, like <\/span>Flood Insurance <\/b><\/span><\/a>take 30 days to go into effect. So, the time is NOW to get or review insurance to cover you during storm season. <\/span><\/p>\n

Let\u2019s look at some specific situations, and insurance options available to you. <\/span><\/p>\n

HOMEOWNERS INSURANCE <\/b><\/span><\/h2>\n

As a homeowner, we hope and assume that you have a standard homeowners insurance policy in place – if not <\/span>contact us<\/b><\/span><\/a>. <\/span><\/p>\n

Most homeowners insurance policies offer a broad range of protections for damages caused by hurricanes, however you may find certain coverage exclusions. <\/span><\/p>\n

Damage from flooding is one example of a peril completely excluded on standard homeowners policies. <\/span><\/p>\n

Your hurricane deductible<\/span>\u00a0<\/span><\/strong>may also vary slightly from the typical deductible you\u2019re used to. Be sure to check on what specific coverage you have with your current policy. <\/span><\/p>\n

BONUS <\/b><\/span><\/span><\/p>\n

Click here<\/strong><\/a> for a further explanation regarding hurricane deductibles. <\/span><\/em><\/p>\n

RENTERS INSURANCE <\/b><\/span><\/h2>\n

If you\u2019re currently renting, the building you live in is likely covered by your landlord\u2019s insurance policy. However, your landlord\u2019s insurance won\u2019t cover your possessions when a storm strikes. It is up to you to <\/span>purchase adequate protection for the items in your home<\/b><\/span><\/a>. <\/span><\/p>\n

Keep in mind that, just like a homeowners policy, a standard renters policy excludes coverage for damage from flooding. For this type of coverage, you will need to get a separate policy through the National Flood Insurance Program. <\/span><\/p>\n

\u201cForbes magazine found that only 2% of all renters living in flood planes have flood insurance, while about 20% of homeowners have the protection.\u201d <\/span><\/p>\n

BONUS<\/span><\/strong><\/span><\/p>\n

Read our article, \u201cIt Is Important for Renters to Have Flood Insurance Too<\/a>\u201d <\/span><\/em><\/p>\n

FLOOD & WIND <\/b><\/span><\/h2>\n

Flood Damage<\/strong> <\/span><\/p>\n

With any major storm, especially hurricanes, excessive rain and powerful storm surges (like we saw in Jacksonville last year due to Hurricane Irma) \u2013 making flooding pretty common. And let\u2019s face it, if you live in Florida, then you are almost certainly in a flood plane. <\/span><\/p>\n

You now have options when it comes to Flood Insurance policies. You can obtain stand-alone coverage through the National Flood Insurance program or private programs like the one offered by Tower Hill Insurance. <\/span>Click here to read more about your options<\/b><\/span><\/a>. <\/span><\/p>\n

Keep in mind that flood insurance takes 30 days to go into effect. <\/b>This means a policy purchased today won\u2019t provide coverage for any events in the next 30 days. So, as we mentioned before, these policies must be purchased in advance.<\/span><\/p>\n