If you are unsure if you have the right coverage for the upcoming hurricane season, start reviewing your existing policy with your insurance agent to make sure it meets your current needs. Be aware that flood coverage typically isn’t covered in your homeowners policy. It is a stand-alone policy or an endorsement to a homeowners policy. Flood insurance is primarily administered through the National Flood Insurance Program, which your agent can assist you with.
Keep in mind that purchasing a flood insurance policy typically requires a 30 day waiting period before coverage becomes effective. Since the start of hurricane season, June 1st, is right around the corner, contact your agent to advise you of the appropriate coverage. Don’t forget to ask if you are receiving all the windstorm mitigation credits you deserve. A new roof, storm shutters can save you money on your policy. Take the time to properly protect your home and automobile this hurricane season.