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What should I know about the 2017 hurricane season?

With only a week until hurricane season starts, right now is the time when you need to review what insurance coverage you have on your home and other property. You shouldn't make the mistake of thinking that everything is in order because this might not be the case.

If you have lived in Florida for any length of time, you are probably accustomed to the ins and outs of hurricane season. Still, there are probably some points that you haven't considered yet.

What should I check in my insurance?

Most homeowner's insurance policies don't cover damage from flooding. This is one of the primary issues that occurs when a hurricane comes to town. You need to review your homeowner's policy to determine what it does cover. Even if you had coverage last year, there is a chance that the policy might have changed since then.

You should also check your flood insurance coverage. If you don't have it, you should seriously consider investing in this type of coverage. It is only available through an agent who can issue policies from the National Flood Insurance Program. The premium is based largely on what type of flood zone you are located in, so you should take this into consideration if you need to purchase coverage. If you already have coverage, you should find out if your flood zone designation has changed.

Can I wait until a hurricane is on the way to get flood insurance?

You shouldn't wait until a hurricane is on the way to get flood insurance. Except in very specific circumstances, such as a flood zone revision or a new home purchase, there is a 30-day wait before flood insurance coverage goes into effect. This means that if a hurricane is on the way, the 30-day waiting period likely won't elapse before you are swamped.

What should I know about the 2017 hurricane season?

Hurricane season hasn't even started yet and the first name on the list, Arlene, has already been used. This could mean that the Atlantic is in for a busy season. However, researchers note that this might be a below average hurricane season thanks to the El Niño system. It is expected that 11 to 12 storms will be named and roughly half will make it hurricane strength.

If a hurricane, or even a tropical storm, does hit and your property sustains damage, you should follow the instructions for making a claim. This information is listed on your policy. If you are unable to get a satisfactory answer to your claim, you might need to explore your legal options for dealing with the situation.

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