Since most basic insurance policies only cover certain natural disasters that could occur anywhere in the country, most often hurricane damage is not included in this policy. For that reason, in many cases Florida homeowners have to go about purchasing extra hurricane insurance to make sure their home will be covered in case hit by one of these ocean storms.
If Florida homeowners are in an area that could be considered a storm surge area which is practically everywhere here in Pembroke Pines, they need to consider also including flood insurance as a separate clause to their homeowners insurance. Be sure to discuss with your insurance agent exactly what types of water damage are covered in the hurricane insurance policy and the flood policy to make sure you are covered from all angles when encountering a hurricane.
If you are a new resident of Florida and have moved to the state between the months of June and November, hurricane season, you may not be able to acquire hurricane insurance for the first season, as many insurance companies put a block on new hurricane insurance policies until after hurricane season is over.
This is to prevent those who may just acquire the insurance temporarily and then get rid of it after hurricane season is over. Before closing on the home, consider adding the current Homeowners policy into the contract on the home to ensure that you will be covered for the first season. If this is not possible, you may be able to find insurance to cover a hurricane but it could cost a pretty penny.
For more information about Homeowners Insurance contact our agency at (954) 431-9423 or click here to get a quote.