Hurricane Preparedness
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                                                                                                                                                             June 7, 2019
Dear Fellow Floridians:

Hurricane Season is here and you must prepare now before a storm takes aim at the Sunshine State. Experts predict as many as 15 named storms and four major hurricanes this season and it is imperative that you prepare now to protect your biggest investments – your home and business.

As we saw last year with Hurricane Michael, you may only have a few days to prepare once a storm nears Florida. Aside from getting shutters or plywood, flashlights, batteries, water, and other necessary items to survive a storm, it’s equally important to have the right insurance coverage.

Below are five important hurricane preparedness tips to consider:

  1. Secure flood insurance coverage. Standard homeowners insurance policies may not cover flood damage. If you live in a flood-prone area, contact your agent about obtaining flood insurance. Currently, there are more than 25 insurance carriers writing flood insurance policies in Florida’s private insurance market. Depending on your home’s location, you may qualify to enroll in the National Flood Insurance Program.
     
  2. Get windstorm coverage. Some homeowners insurance policies do not cover damage caused by windstorms, such as hurricanes. Ask your insurance agent about windstorm coverage today.
     
  3. Ensure you are adequately covered. The value of your home and possessions may have increased over time, or you may have made improvements or purchased expensive items such as computers or major appliances.
     
  4. Consider additional living expense coverage. Additional living expense coverage which is included in most homeowners policies, pays some expenses for losses that leave homes unlivable during repairs. Such expenses could include limited hotel, restaurant and storage costs.
     
  5. Do not wait until a storm approaches. Most property insurance companies require 30 days for changes to your policy to take effect and do not accept new applications or requests to increase coverage once a hurricane watch or warning has been issued for Florida. It is important not to wait until a storm is imminent to verify coverages.

    For additional hurricane financial preparedness tips or resources, visit MyFloridaCFO.com or contact my Insurance Consumer Helpline by calling 1-877-MY-FL-CFO (693-5236).

    Sincerely,
Jimmy Patronis
Florida's Chief Financial Officer