Hurricane season is here, and if you own a home in Tampa, FL, now is the time to know what your\u00a0homeowners\u00a0insurance policy does and does not cover. Many homeowners discover gaps in their coverage only after a storm.<\/p>\n
A standard\u00a0Florida\u00a0homeowners policy covers a range of perils;\u00a0however,\u00a0windstorm\u00a0coverage,\u00a0which is\u00a0required\u00a0in the state,\u00a0can be complicated. Most policies include\u00a0coverage for\u00a0the following:<\/p>\n
In certain high-risk coastal areas, some\u00a0Florida\u00a0insurers\u00a0may decline\u00a0windstorm coverage from the standard policy. If your policy excludes wind, you may need a separate wind-only policy. Confirm your coverage in writing with your agent.<\/p>\n
Storm surge and flooding are where many homeowners face serious exposure. Standard\u00a0homeowners\u00a0insurance does not cover flood damage, including storm surge, which is one of the most destructive forces a hurricane produces.\u00a0Tampa Bay\u2019s geography, which is\u00a0a large shallow bay with a narrow outlet,\u00a0makes the region especially vulnerable to surge events.<\/p>\n
Flood coverage requires a separate policy, typically through the National Flood Insurance Program (NFIP) or a private flood insurer.\u00a0NFIP policies generally carry a 30-day waiting period before coverage takes effect, so purchasing flood insurance ahead of storm season is important.<\/p>\n
Waiting until a named storm forms to review your coverage is too late. Carriers typically halt policy changes or new applications once a storm threatens the area, and hurricane deductible options can only be adjusted at renewal, not mid-term.<\/p>\n
Contact<\/a>\u00a0All Affordable Insurance Agency today to schedule a\u00a0homeowners insurance<\/a>\u00a0review.<\/p>\n This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Hurricane season is here, and if you own a home in , now is the time to know what your\u00a0homeowners\u00a0insurance policy does and does not cover. Many homeowners discover gaps in their coverage only after a storm. What Standard Homeowners Insurance Typically Covers A standard\u00a0Florida\u00a0homeowners policy covers a range of perils;\u00a0however,\u00a0windstorm\u00a0coverage,\u00a0which is\u00a0required\u00a0in the state,\u00a0can be […]<\/p>\n","protected":false},"author":35,"featured_media":12900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%% %%sep%% %%sitetitle%%","_seopress_titles_desc":"A standard\u00a0Florida\u00a0homeowners policy covers a range of perils;\u00a0however,\u00a0windstorm\u00a0coverage,\u00a0which is\u00a0required\u00a0in the state,\u00a0can be complicated. To reduce complications, call All Affordable Insurance Agency today.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[1,34],"tags":[],"class_list":["post-12898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-homeowners-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/posts\/12898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/comments?post=12898"}],"version-history":[{"count":2,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/posts\/12898\/revisions"}],"predecessor-version":[{"id":12902,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/posts\/12898\/revisions\/12902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/media\/12900"}],"wp:attachment":[{"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/media?parent=12898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/categories?post=12898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allaffordableinsuranceagency.com\/es\/wp-json\/wp\/v2\/tags?post=12898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}