The best home insurance Florida has to offer cannot stop a storm from coming.
If you live in Florida, you have a basic idea of what that means.
Yet, your homeowners' insurance agent can help you even more.
Protect your possessions.
As far as the home insurance company is concerned, the most important thing you can do to protect your possessions is to have proof of what they are.
Your agent should have some kind of household inventory form that you can use to make your list.
Do not forget to send a copy of it to someone who lives in a part of the country that is safer from storms.
However, a simple list may not be all you need for your insurance claim should you have to make one.
You need a thorough accounting of how old the items are, as well as what brand they are and their models and serial numbers.
Home insurance companies anywhere in the country will suggest that you take pictures of your possessions.
In Florida, it is especially important.
Household items can be ruined or even blown away in a destructive storm.
Using a video camera makes the process easy.
Prepare your home.
Companies that sell home owners insurance in Florida are used to dealing with the aftermath of storms.
If you take steps to prepare your home, you can help to preserve it the way it was.
You may also succeed in keeping your rates down.
You will need to check shutters or have plywood ready for the windows if you have no shutters.
You may have heard that it is best to put tape on your windows in case of a hurricane.
This may help some, but plywood is much safer.
There might be some things outside your house that need to be dealt with, such as potted plants and barbecue grills.
If the wind catches hold of them, they can fly into and damage your house.
Bring them inside the house, a garage, or a storage shed.
Deal with the damage.
When the storm is over, you can come out of your home and survey the scene.
Look for any damage to your house.
If you find any, do what you can to protect any areas that are exposed to the elements.
Then, call your insurance agent.
Tell your home insurance Florida agent about the condition of your house.
If you cannot live in your home at the moment, make that clear.
Make a list of the damage you see and keep receipts of any temporary repairs you have done.
Your agent should take it from there.
The home insurance Florida companies are not strangers to hurricane and wind damage.
If you do your part, you should expect the insurance company to do likewise.
After all, that is why you pay your premiums.