June 1st marks the first day of hurricane season. The state of Florida attracts the most hurricanes compared to any other state in the United States, followed by North Carolina and Louisiana. With Pensacola being so close to Louisiana, it makes it a main target for hurricanes and strong tropical storms. Last year alone (2015) , there were twelve hurricanes that caused over seventeen million dollars in damages. Due to these hurricanes, the statement “better be safe than sorry” holds true when it comes to home insurance during this unpredictable season.
Here are the top 5 ways to prepare for Hurricane Season:
1.Check your policy limit
“Make sure you have enough coverage to build your home”
2. Do you know everything you own and how much it’s worth?
Tip: Create a home inventory
3.Does your policy provide enough Additional Living Expenses Coverage?
“Additional Living Expenses (ALE) coverage covers extra costs involved in living away from home- hotel bills, restaurant meals, and other expenses.”
4. What Disasters Does Your Insurance Policy Cover?
There might be exclusions in your policy, such as flood coverage.
5. You May Have Flood Insurance, But…
Your current flood insurance might not insure the majority of your property, make sure to check how much is covered.
At Insurance Solutions Pensacola, we can assist you with any questions you might have about insurance for this hurricane season. Give us a call at 850.476.6399 for a free quote today.