We are currently in the middle of hurricane season, and now more than ever, we are encouraging policyholders to review their homeowner’s insurance policies. If you own a home or business that has not been affected by a hurricane, reviewing your policy ensures that you are adequately protected before a storm hits. Hurricane season typically starts in June and ends in November, however, the peak is during September. Keep reading this article that answers the question, “When Should I Review My Insurance Policy For Hurricane Season?”
The best time to review your insurance policies is before a hurricane is announced or headed towards your property’s location. Insurance companies don’t allow policyholders to modify or add additional insurance if there is an active hurricane watch. The good news is that most homeowner’s insurance policies cover hurricane damages except flooding. In order to be covered, if a flood damages your home or business, a separate flood insurance policy is required.
If you live in an area prone to hurricanes such as the East Coast or Gulf Coast, the insurance company may exclude or limit hurricane damage coverage. This is why it is essential to understand what is covered in your policy and its gaps. If your policy doesn’t include hurricane coverage, we recommend asking your insurance company to add this to your policy. If hurricane coverage can’t be added to your policy, we advise contacting other insurance companies to see if this type of coverage is offered. To understand what is covered under hurricane insurance, read this article.
How to Prepare for a Hurricane
There are many factors involved when properly preparing for a hurricane. We created a guide that walks you through the various stages of preparing for a natural disaster. Download the guide and checklist below to ensure you’re prepared for the next storm.
If you or someone you know needs to speak with an insurance expert, we offer homeowners and business owners consultations. Our team of experts can assess your insurance policy to ensure the coverage is in your best interest. As public adjuster’s, we work on behalf of the policyholder.