One thing many individuals have learned over the last two years is that no one is safe during the hurricane season. While it was common for hurricanes to only threaten the east coast of the U.S. putting many Floridians on edge each time the season rolled around, now, many other states are learning that they too might find themselves in the direct path of a hurricane. For example, Hurricane Irma, which made landfall back in 2017, struck the west coast of Florida and worked its way up through Jacksonville and into South Carolina. And just a few weeks ago, Hurricane Lane, which was downgraded into a tropical storm, left parts of Hawaii with over 30 inches of rain.
Essentially, what this means is that everyone needs to prepare for hurricane season before the storms begin to build up. One way you can begin preparing is by checking your homeowner’s insurance policy to be sure your limits are where you want them to be in the event your home sustains damage in a storm and that you have flood insurance. Unfortunately, many individuals still today are unaware that flood insurance is not a part of their standard home insurance policy. Flood insurance is a separate type of insurance coverage that must either be purchased separately or added on to your current policy.
And according to Florida Insurance Commissioner David Altmair and Chief Financial Officer Jimmy Patronis, “now is the time to review your current insurance policy, and get flood insurance if you don’t already have it” [Source: News 4 Jax]. The reason you want to act now if you don’t have flood insurance coverage protecting your home is “that typically, there is a 30-day waiting period before a flood insurance policy takes effect,” News 4 Jax highlights. And that last thing you want is for a hurricane or tropical storm to hit and your insurance policy hasn’t kicked in yet.
Commissioner Altmair stated that “Last year, reports indicated a vast majority of Florida’s residences were inadequately insured. Floridians must review their insurance policies, understand their coverages, and make the necessary adjustments to ensure they are adequately covered.” While you may have the option of purchasing flood insurance from your current homeowner’s insurance carrier, you can also view a list of private carriers as well by clicking here.
To be sure your home is properly protected in the event a hurricane hits, take the time now before it is too late to add the coverage you might need.
According to the source, “there are more insurers eligible to write private flood insurance in Florida, [which is] a 30-percent increase from last summer.” With that said, it is vital that you set some time aside to review your current insurance policy and make any necessary adjustments to ensure your home is protected from hurricanes and the floods they cause.
If at any time, you have an insurance-related question, you can call the Insurance Consumer Hotline at 1-877-693-5236. Now, if you are experiencing an issue with your insurance carrier and have a few legal questions that need to be answered, the hotline won’t be able to provide you with the legal advice you are seeking. Therefore, if your insurance claim was recently denied or your carrier is giving you a hard time, contact one of our Jacksonville, FL insurance attorneys.
Not only will they help you resolve your issue, but they can also appeal your insurer’s decision so that your claim is paid and you can receive the funds you need for the repairs you either already made or still need to make.

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