Insurance and hurricanes: What you need to know | Insurance Litigation Group, P.A.
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Insurance and hurricanes: What you need to know

Destruction of a Hurricane.

With this year’s hurricane season approaching, it is important to start taking the necessary steps and precautions needed for the safety of ourselves and our environments. The News-Press published a report regarding one of the most crucial aspects of hurricane preparedness: insurance.

When it comes to hurricane damage insurance coverage ranges into four different categories: flood, windstorm, homeowners and auto insurance. Each of these categories has its different rules and barriers that you must understand to be fully prepared for this season.

For example, according to, since homeowners insurance does not cover flood insurance, you’ll need to buy a separate flood insurance which takes 30 days to take effect. In the case of homeowners insurance, the insurer must evaluate your home before you can buy the appropriate one. On the other hand, if you want to make a change to your current plan it can’t be done 48 hours before the expected onset of a tropical storm. The same goes with auto insurance, if your area is under hurricane watch, insurers will typically not sell auto coverage.

In the case of windstorm insurance, it is important to know whether your homeowners’ policy includes coverage for wind. In Florida, it is more likely that you will need to buy a separate insurance that covers wind damages.

All these policies vary depending on the time and type of insurance. Read the full article to learn more and prepare for this year’s hurricane season.

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