Hurricane Season and Flood Insurance

Hurricane Season and Flood Insurance

Hurricane Season is June 1, 2019 through November 2019.

Preparing for a storm now could save time and stress when the winds begin to blow.

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Homeowner Preparation

Prepare Personally

Protecting yourself and your family today for what Hurricane Season could bring tomorrow means preparing your home with a few things to do including:

  • Take inventory with pictures and lists
  • Prepare a Hurricane Survival Kit with fresh supplies
  • Develop a Family Emergency Communications Plan and practice
  • Place important documents in a fireproof and waterproof container
  • Know where to go and what to do when a storm is approaching

Preparing your home from storm damage is the best way to reduce the risk of damage from hurricane winds. This includes reinforcing or strengthening the building with brackets and straps for the roof, installing impact resistant windows and doors, and anchoring storage sheds. You may also choose to purchase Wind insurance coverage as a separate policy since Homeowners coverage will not cover damage from a ‘Named Storm’.

Homeowner Resources

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Preparing Your Business

Prepare Your Business

Protecting your business means preparing your staff by developing an Employee Emergency Communications Plan, taking inventory, preparing a Hurricane Survival Kit should you be able to return to work after the storm, and knowing where to store inventory when the storm is approaching.

  • Take inventory with pictures and lists
  • Prepare a Hurricane Survival Kit with fresh supplies
  • Develop an Employee Emergency Communications Plan and practice
  • Place important documents in a fireproof and waterproof container
  • Know where to go and what to do when a storm is approaching
  • Check your backup generator and safely store fuel

Business Resources

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Preparing as Property Management

Prepare Your Condo

As an Property Manager in a Condo building, your communications about Hurricane Season and what it could bring tomorrow means preparing your homeowners and tenants on what to do before, during, and after a storm. Educating them now about who is responsible for which part of the building inside and out could save you lots of questions later when water claims, and damage occur from a storm or flood.

We are ready as needed to help you communicate clearly and answer those questions now about how insurance impacts the building and each of the units. You will also find a useful guide on the link below specific to Property Managers.

Property Management Resources

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Flood Insurance

During hurricane season, many hurricane claims are denied because the loss is actually caused by flooding. Did you know that standard business and homeowner’s policies do not cover flood damage? Businesses and Homeowners in Florida may need to purchase additional flood insurance for this risk.

Take steps to protect your property from FLOOD damage

  • Elevate the HVAC system, water heater, and electric panel if the location is susceptible to flooding.

  • Install “check valves” in sewer lines to prevent floodwater from backing up into the drains of your home.

  • If you live in a flood-prone area, stockpile emergency building materials (e.g., plywood, plastic sheeting, lumber nails, a hammer and saw, a pry bar, shovels, and sandbags).

  • In areas with repetitive flooding, consider elevating the building.

  • Keep gutters and drains free of debris.

FEMA.gov Flood Insurance Program

What is an Elevation Certificate and why might I need one?

What does a Flood policy cover?

FEMA.gov Flood Insurance Program

What is an Elevation Certificate and why might I need one?

What does a Flood policy cover?

If your flood zone has changed then Plastridge Insurance Agency can:

• Help you develop the best strategy to cope with the change and avoid forced place coverage.

• Determine your eligibility for grandfathering for the rates for properties newly mapped into a flood zone.

• Quote different options.

• Help you with your LOMA (Letter of Map Amendment) letter for grandfathering.

See your Community Flood Zone

Contact us to find out about ‘Grandfathering’ my Flood Zone?

Want to contact our Flood team for a free review?

See your Community Flood Zone

Contact us to find out about ‘Grandfathering’ my Flood Zone?

Want to contact our Flood team for a free review?

Contact us today to learn more about Flood coverage.

We’re here when you need us.

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