Protecting Your Florida Home from the Inevitable
Let´s face it, whether you own a Florida home or are looking into buying a Florida home, homeowner´s insurance is a big deal. Florida´s recent brush with Katrina is one more reminder of all the things you need to take into consideration when purchasing your Florida home and insurance.
In case of an emergency, it is important to know "what company covers your home, what your insurance policy covers, where to contact your insurer to file a claim...and the name of your insurance agent." It is also important to do a home inventory. Photographing important items is always a plus.
Always make sure that you update your policies and include every kind of coverage you may think necessary in the future. Once tropical storms begin their approach (and if you live in a Florida home, you know that storms and hurricanes are inevitable), most insurers stop "writing new policies or allowing customers to increase their coverage." Also, when preparing for the inevitable, keep all receipts. Your insurance company may reimburse you for materials purchased protect your Florida home, such as tarps and plywood.
In case of an emergency, it is important to know "what company covers your home, what your insurance policy covers, where to contact your insurer to file a claim...and the name of your insurance agent." It is also important to do a home inventory. Photographing important items is always a plus.
Always make sure that you update your policies and include every kind of coverage you may think necessary in the future. Once tropical storms begin their approach (and if you live in a Florida home, you know that storms and hurricanes are inevitable), most insurers stop "writing new policies or allowing customers to increase their coverage." Also, when preparing for the inevitable, keep all receipts. Your insurance company may reimburse you for materials purchased protect your Florida home, such as tarps and plywood.
