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10 Questions to Ask Your Homeowners Insurance Agent Before Hurricane Season Starts

As hurricane season approaches on May 1st, homeowners in areas vulnerable to these powerful storms should prepare not just their homes but their insurance coverage as well, particularly for Hurricane Insurance Florida. This is especially crucial in regions like Southwest Florida, where hurricanes are a seasonal threat. Lane Insurance Group, known as an expert in insurance matters relating to hurricanes in Southwest Florida, recommends that homeowners consult with their insurance agents to ensure they are fully protected.

Here are ten essential questions to ask your homeowners insurance agent before hurricane season begins.

What does my current homeowners insurance policy cover?

Understanding the specifics of what your policy covers is the first step in assessing your preparedness. Ask about the extent of coverage for damages caused by hurricanes, including wind damage and flooding. Since flood damage is not typically covered under standard homeowners policies, this is a crucial area to address.

Do I need to purchase additional flood insurance?

Given that flood damage can be a common aftermath of hurricanes, and is often not covered under standard policies, it’s vital to discuss with your agent whether you need a separate flood insurance policy. This is particularly important in flood-prone areas.

Does my coverage amount adequate to rebuild my home today?

Construction costs can increase over time. Ensure your coverage amount is enough to cover current construction prices in your area, not just what your home was originally worth or cost to build.

 What is my hurricane or windstorm deductible?

Hurricane deductibles are typically separate from the standard deductible on a homeowners policy. They can be considerably higher, so it’s important to know what you’ll be expected to pay out-of-pocket before insurance kicks in after a hurricane.

 How can I reduce my hurricane deductible?

Some insurance companies offer options to lower your deductible. This might include making specific home improvements that enhance resistance to storm damage. Ask your agent what options are available.

What steps should I take to secure my home and possibly lower my premiums?

Insurance companies often provide premium discounts for certain preventative measures, such as installing hurricane shutters, reinforced garage doors, or roof enhancements. Inquire about potential savings for making your home more hurricane-resistant.

Are there temporary living expenses covered if I need to evacuate?

In the event that you must evacuate, some policies cover living expenses such as hotel stays and meals. Confirm whether your policy includes this coverage and under what conditions it applies.

What is the process for filing a claim?

Understanding the claims process before disaster strikes can immensely ease the post-hurricane recovery process. Ask about the steps involved, who to contact first, and what documentation will be necessary.

How can I document my home’s contents effectively?

Ensure you know the best methods for documenting home contents for insurance purposes. This could involve video recordings, photographs, and maintaining receipts or appraisals of valuable items.

What are the common exclusions or limitations in my policy that could affect my hurricane coverage?

Knowing what your insurance does not cover is just as important as knowing what it does cover. Ask about any exclusions or limitations in your policy, particularly those related to hurricanes.

Lane Insurance Group, with its expertise in navigating the complexities of insurance in hurricane-prone areas, is an invaluable resource for homeowners looking to ensure they are adequately prepared for the season.

Engaging with your insurance agent at Lane to ask these questions can provide peace of mind and significantly aid in the quick recovery from any storm damage. Being proactive about your insurance coverage is one of the most critical steps you can take to protect your home and family from the unpredictable forces of nature.

Lane Insurance Group serves clients in Collier, Lee, Polk, Lake, Marion, Sarasota, Duval, Osceola and Sarasota Counties.

For a FREE QUOTE, call (239) 947-7474 or reach us here!