Florida has a wide variety of weather events, which are one of the major causes of home damage. Knowing where you stand as far as coverage of these events is essential not only to your personal security but also to your financial security. At Love Insurance Services in Niceville, FL, we work with our customers to make sure they have the coverage they need to feel secure.

Hurricanes

When people think of Florida, the first thing that comes to mind is hurricanes. They are a potential risk, especially in the coastal areas of the Atlantic Ocean and the Gulf of Mexico. Hurricane wind damage may be covered by your home policy. You may likely have different coverage for a hurricane than you have for the rest of your policy, higher deductibles, etc. Surges caused by hurricanes will not be covered. It is considered flooding, which is not covered by traditional home insurance. You can, however, get flood insurance through the NFIP (National Flood Insurance Program).

Tornados

Tornados come under the heading of heavy winds. If your policy doesn’t cover hurricanes, you need to ask questions about whether wind damage from a tornado is covered. Heavy winds can cause roof damage, so you need to know what your coverage is.

Heavy rain

Heavy rain is part of life in Florida, and depending on the type of damage it causes, it may be considered a flood, and floods are not covered.

Ice

Believe it or not, ice can be a home hazard in Florida. It doesn’t happen every year, but it does happen. In areas where it is not the norm, it can cause damage.

Contact Love Insurance Services in Niceville, FL, to discuss your home insurance needs today and in the future.