On the Atlantic Coast, hurricane season spans nearly half of the year, stretching from June to November. Serious damage can ensue as a result of these storms, especially in southern coastal states such as Florida. While hurricane-related damage may be covered under your homeowners insurance policy, it’s important to review your plan to ensure your property is well-protected against these natural disasters.

What You Should Know About Hurricane Insurance

What’s Included Under Homeowner’s Insurance?

Under most homeowners insurance policies, damage resulting from severe storms is covered. Thus, if a hurricane hits your area and causes significant roof damage, you may be eligible for compensation to repair or replace it under your plan. Typically, however, additional coverage is needed for flooding.

Floods can cause serious issues, including lasting water damage to your home’s exterior, interior, and contents. Flooding can also lead to mold development. Because mold remediation efforts can become costly, any homeowner living in a hurricane-prone area should consider taking out an additional flood insurance policy.

Should You Consider Additional Coverage?

Beyond flood insurance, you should consider taking out an additional windstorm policy. This coverage is beneficial because it covers problems caused by any high winds, not just those caused by hurricanes. If you’re unsure about what is in your policy, work with an insurance agent to determine which circumstances qualify for coverage and how much you can be reimbursed for in the event of hurricane-related damage.

When homeowners in Tampa Bay and the surrounding areas need comprehensive coverage for their homes, autos, or other assets, they turn to Family First Insurance Services. This expert team takes a personalized approach to ensure each client receives the best policy for their unique needs. Find out more about homeowners insurance by visiting their website, or request a quote by calling (813) 994-3900.