Navigating Orlando’s Storm Season: Insurance Tips from Univista Insurance
Living in Orlando comes with many benefits; from the exhilarating theme parks to the city’s vibrant culture. However, residents know that the beauty of this city comes with its unique set of challenges – the hurricane season. At Univista Insurance Orlando, we aim to guide you through the complexities of hurricane insurance, providing the essential tools to navigate the stormy waters during the hurricane season.
Understanding the Hurricane Season
In Florida, the hurricane season starts from June 1 and ends on November 30. During this time, Floridians face the potential risks associated with tropical cyclones, including high winds, torrential rain, and severe flooding.
Understanding your Insurance Coverage
Homeowners Insurance: Regular homeowners insurance typically covers some damage caused by hurricanes, but it’s important to review the specifics of your policy. Damage due to flooding is often not covered, which is a significant concern during hurricane season.
Flood Insurance: Separate flood insurance is crucial in hurricane-prone areas. Most flood insurance is provided through the National Flood Insurance Program (NFIP) managed by the Federal Emergency Management Agency (FEMA).
Hurricane Deductibles: In states like Florida, where hurricanes are common, insurers often implement a hurricane deductible. This deductible is a percentage of the insured value of your home and can vary depending on where you live.
Univista Insurance Tips for Navigating Storm Season
Review Your Policy Annually: It is crucial to review and understand your insurance coverage every year. Ensure it covers the cost of rebuilding your home and replacing your belongings.
Consider Flood Insurance: Regardless of whether you’re in a designated flood zone, consider purchasing flood insurance. Over 20% of flood claims come from areas outside of recognized flood zones.
Document Your Property: Take a video or photos of your home and your belongings. It can help you quickly process claims if you suffer hurricane damage.
Create an Emergency Plan: An insurance policy is just one part of your hurricane readiness. Develop an emergency plan including evacuation routes, emergency contacts, and a disaster supply kit.
Prompt Claims Reporting: After a hurricane, report your claim as soon as you can. Delays could potentially complicate your claim process or lead to a denial of your claim.
Understand Hurricane Deductibles: Make sure you understand how your hurricane deductible works. It’s typically a percentage of your policy’s dwelling coverage limit, so it may be significantly higher than your standard deductible.
At Univista Insurance Orlando, our priority is ensuring you’re informed and protected. The storm season is daunting, but with the right knowledge and preparation, we can navigate it together. For more information on the best insurance options to keep you, your family, and your property safe, contact us today.