Tallahassee, Fla. — Hurricane season begins June 1, 2019, and extends through November 30, 2019. While forecasters are calling for a slightly below-average hurricane season, the American Property Casualty Insurance Association (APCIA) encourages Floridians to take time now to evaluate their insurance policies, inventory their possessions and develop emergency plans.
“Last year, two major hurricanes – Florence and Michael – caused significant damage to the Carolinas and Florida Panhandle,” said Logan McFaddin, Florida Regional Manager for APCIA. “Unfortunately, too many residents in the region still do not give the beginning of hurricane season enough thought, or take action to prepare their homes and finances. That is why we at APCIA are encouraging Floridians to take steps now to give yourself peace of mind and the confidence that you’re prepared financially for a major storm or emergency event.”
APCIA offers the following hurricane preparation tips for residents living in hurricane-prone areas:
In addition to preparing your property and having an emergency kit, it’s just as important to contact your insurance company or agent to make sure you have the right amount of coverage. “Start by checking in with your insurance agent or company regarding the amount of insurance coverage you have,” continued McFaddin. “For example, determine if your policy provides for replacement costs or actual cash value of your belongings. If your home is insured at its assessed value, ask if that will be enough to rebuild in the case of a major catastrophe.”
Don’t forget to consider additional coverage options, such as flood insurance, as most homeowners’ policies do not cover flooding. Flood insurance must be purchased as a separate policy, and it takes 30 days for a flood insurance policy to go into effect. Remember that floods can devastate communities anywhere. Floods are not isolated to coastal areas or flood zones.
“If you sustain storm damage, call your insurer as soon as possible to start the claims process,” said McFaddin. “Your home inventory will expedite the claims process, but beware of signing any documents from contractors before you talk to your insurer.”
For more information and tips to help Floridians before, during and after hurricanes, please visit: