tropical storm of the 2012 season dropped a foot or less of water on the
northeast corner of the state, a soggy reminder that hurricane season again is
upon us. Thoughts of home insurance return to the forefront of the mind after a
winter of trying not to think about it.
HOME INSURANCE COVERAGE FOR HURRICANE SEASON
Rainfall such as was dumped
by Beryl is probably the least of most homeowners’ concerns, though flooding
from torrential downpours can cause havoc on the lowest lying properties. And
water damage is especially ruinous because what the water doesn’t destroy when
it inundates a home it can destroy later through rot and mildew that develops
long after the water has receded.
Still, it is the wind
of the hurricanes that homeowners—and home insurance providers—most worry
about. Hurricane-force winds cause the most damage to property. That is because
they can be unusually strong and the force of the gales can be sustained for
hours at a time, unlike a tornado that hits and then skips by. Furthermore,
hurricane winds tend to change direction as a storm passes, thereby being able
to hit all vulnerable areas of a house.
The winds also become
weapons by wrenching off house parts and
flinging them like projectiles from a gun into other houses and occupied areas.
Flying debris not only represents loss from one property but becomes the
creator of loss at another property, slamming into it with great velocity and
sometimes shattering what the wind alone would not have damaged.
Home insurance is
written to accommodate various kinds of storms and damages. Policies in
hurricane-sensitive areas recognize the special nature of the storms and
feature provisions insuring against wind and water damages, including damage
from secondary sources. Premiums vary, of course, and deductibles can be high
or low, but an insurance product usually is available.
SOUTH FLORIDA HOME INSURANCE QUOTES - 1-800-554-9142
The South Florida home insurance
industry is in flux, with rates moving up and policies being cancelled, the
latter tied to the soundness of a structure and its proximity to storm paths.
This uncertainty can be an opportunity for homeowners who choose to rectify
structural problems and to shop insurance providers. After all, as bad as
hurricanes are, having one strike your uninsured home is even worse.