Florida is hit by more hurricanes than any other state in America. In 2005, 15 hurricanes hit the southern and eastern coast of the US, seven being major hurricanes and four reaching category five. They are a fact of life in this part of the world and the only way to stay on top of the game is to plan ahead and never get caught off guard.
Hurricane season lasts from 1st June to 30th November - half the year. There are several damage-preventing measures you can take but if your home or your property is damaged during a hurricane, you’ll want to know that you are insured.
Most homeowner insurance in Florida comes with some hurricane coverage, but it will usually only protect against wind damage or falling objects as a result of wind damage, not against flooding. Even storm-surge from a hurricane is considered flood damage so it’s essential that you get flood insurance as well.
The cost of flood insurance can range from $200 to $3,000+ annually and depends on many different factors, including the location and elevation of your home relative to the base flood elevation, design and age of the home, your deductible and many more. It can be very expensive and difficult to obtain flood insurance if you live in a high-risk area such as Florida, but if you know your rights you can obtain insurance and keep costs low.
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Amanda Lamb is on her travels finding you the ideal location for your new house
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