Every year, Floridians are faced with the frightening reality of hurricane season starting June 1 and lasting through November 30 (and sometimes even later). Weather disasters can take a toll on communities and disrupt the livelihood of residents, businesses and public facilities.
Various organizations like the National Weather Service have made hurricane warning systems incredibly effective. The ubiquity of media and improvements in government coordination enable residents to learn about storms and get to safety prior to hurricanes making landfall on Florida shores.
Injuries and deaths, while still a serious risk, are no longer the most significant impact of hurricanes. Property damage caused by flooding, power outages, broken windows, uprooted trees, leaking or obliterated roofs and much more is now the most significant disruptive impact of hurricanes.
Strong winds combined with rain and storm-surge flooding often lead to widespread devastation that results in billions of dollars’ worth of damages.
Wind gusts and storm surge are the primary sources of property damage after a hurricane. Unfortunately, all hurricanes (no matter the category) can inflict property damage to some extent.
If you live near the Florida coast, chances are you have experienced a hurricane, or you very well could in the future. This is why protecting yourself, your family and your property against natural disasters is so important.
By acting now and taking preventative steps, you can reduce the damage caused by a severe storm or hurricane.
Most homeowners’ insurance will cover certain types of hurricane property damage, but every policy has limitations. You can most likely expect repairs to be partially or fully covered depending on the extent of your damage, policy exclusions and your hurricane deductible.
Make sure you’re ready with all the necessary documentation before a property adjuster comes to assess the damages.
While there’s no avoiding Florida’s ruthless hurricanes and severe storms, you can improve the chances of your properties surviving a hurricane with minimal damage. By understanding the common damages caused by hurricanes and the precautions that might lessen the blow, homeowners can hopefully be prepared for whatever Florida has in store this hurricane season.