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Are floods caused by hurricanes covered by a flood insurance policy?

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There are different types of insurance policies to serve various functions, and protecting yourself from waters caused by hurricanes is always a concern of Florida residents. The team at All Counties Insurance Agency & Traffic School understand the worries of their clients in the greater Palm Coast, FL area and are here to help. There are many homeowners and renters policy that specifically exclude coverage of damage caused by hurricanes, but there are other options. Florida residents are able to hold flood insurance that provides coverage for water damage that is caused by a storm or other natural disasters. 

Protect yourself, your home, and your family from hurricanes

Now is an excellent time to make sure that your insurance portfolio is complete and has all of the coverage that you need. Flood insurance is important to have in Florida, as hurricanes can cause quite a lot of damage. In addition to flood insurance, a wind policy is also advisable to give your home the full range of protection that it requires. Flood insurance can help you to recover from the damage that your home sustains due to the waters from a hurricane. This protection can sometimes include coverage for your structure and your belongings up to a certain level, depending on the policy. Some policies will also provide coverage for alternative housing while your home is uninhabitable during repairs.

Interested in finding out more about how you can protect your home from the damage caused by hurricanes? Contact the team at All Counties Insurance Agency & Traffic School today and schedule an appointment to meet with one of our helpful agents. We are proud to serve our greater Palm Coast, FL community and look forward to working with you too!

How the Location of Your Home and the Building Materials in It Affect Your Insurance Rate

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If you’re like many people shopping for a new home, one of the main matters that get your attention is the neighborhood and the look of its exterior and interior. But when it comes to serving people in Florida, we at All Counties Insurance Agency & Traffic School want you to think about location and structural materials.

Location, Location, Location

Here’s why location and construction materials matter. Insurance costs more for homes near a body of water. Standard homeowners policies do not cover damage done by flood waters. You’ll have to buy this coverage from the federal government or an independent agent. Find out where emergency services are located near it, the natural disasters the area is prone to, and the building materials used in construction. 

Homes that are near a fire station with a year-round staff are less costly to insure, as are ones that are near a fire hydrant. A Class 1 fire department is the better to be near than a Class 10 one. Since Florida is susceptible to natural disasters like hurricanes that bring rain and wind, its insurance rates are high.

Now to the materials in your home. Does it support cement fiber siding, concrete stucco or stone, and brick veneer to better resist fire? Typical vinyl siding is not fire resistant. Another issue is that it and aluminum siding are easily damaged by wind. And manufactured homes are lighter than most traditional homes, which makes them prone to wind damage also. Fires also spread more quickly in them.

Now that you have some information about factors influencing insurance rates when you want a quote, contact All Counties Insurance Agency & Traffic School. We are ready to help Florida residents find a policy and get a quote.