A Tropical Storm is Near, How is Your Homeowners Insurance?

    The first major tropical storm of the season is here – Gainesville homeowners and future homeowners this is the time to double check your homeowners insurance policy.

    Future homeowners, if you are currently in the process of closing on a home, know that a storm can throw some roadblocks in the closing process, here is why: Every homeowners insurance plan has a window of time where an applicant CAN NOT bind an insurance policy because a storm is nearing by. Without homeowners insurance, a property cannot close. The best way to prevent this is to make sure you, as a future homeowner, secure your policy with enough leeway before the storm makes landfall.

    Current homeowners, unless otherwise stated, your policy may not cover damage caused by flooding or strong winds, leaving you with a hefty bill for repairs. Make sure to take our your policy and look over it, as well as ask your insurance agent any questions you may have about the policy before the storm comes to town.

    So, what else do you do?

    • Check the policy exemptions and prepare your home to the standards required by the insurance company.
    • If you need to upgrade your policy, do it now because most carriers will stop writing out or updating policies when a hurricane or tropical storm is one the horizon in what is called the “Hurricane Box.” The box is the stretch from Florida to the Dominican Republic and Bermuda, and up to North Carolina.
    • If you chose not to upgrade your policy, make sure your home is ready for a storm, put together an emergency kit, stock up on food and water and prepare your family.

    Although Gainesville usually does not get a lot of storms, the city did suffer a lot of damage in 2004 with Charley and Frances. Unfortunately, no one can precisely predict the weather ahead of time, so it is best to be informed and prepared for whatever may come this way.

    Here is a list of Gainesville & Alachua County weather-related emergency numbers.

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