A Complete Guide to Preparing for a Florida Hurricane

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A hurricane is a severe tropical storm that forms in the southern Atlantic Ocean, Caribbean Sea, Gulf of Mexico, and Eastern Pacific Ocean. All Atlantic and Gulf of Mexico coastal areas are subject to hurricanes. Parts of the Southwest United States and the Pacific Coast also experience heavy rains and floods each year from hurricanes spawning off Mexico.

The Atlantic hurricane season lasts from June to November, with the peak season from mid-August to late October. Hurricanes can produce winds exceeding 155 miles per hour, as well as tornadoes and microbursts, causing catastrophic damage to coastlines and several hundred miles inland. Hurricanes can create storm surges along the coast and cause extensive damage from heavy rainfall.

To protect your family and property this coming hurricane season, here are some tips from the experts of ServiceMaster by Wright.

Hurricane Preparation

Advanced planning can save you, your family, and your home. Here are some storm preparation tips to assist in hurricane preparation.

Does Renters Insurance Cover Water Damage?

While many renters focus on coverage for belongings if their rental is burglarized, it’s also important to consider coverage for water damage.

A basic renters insurance policy may provide coverage for personal property losses caused by:

Remember that renters insurance does not cover flood damage, so to further secure a property, there is a need to purchase a separate policy for flood damage.

Does Renters Insurance Cover Water Damage?

  1. Get in touch with your insurer or the agent who sold you the homeowner’s insurance. An adjuster will be assigned by the insurance company, who will inspect the damage and provide an estimate for evaluation by the insurance company.
  2. Document all losses. Take photos of the damage and make a list of the items that were destroyed or that need to be repaired once the damage has occurred. Include the total cost of the things, as well as any receipts you may find. The faster you can document your property damages before the insurance adjuster arrives, the easier it will be to file a claim. A conventional homeowner’s insurance policy covers both the structure of the home and the homeowner’s personal belongings.
  3. Verify the adjuster’s identity. Scammers may appear in the aftermath of natural disasters. To be safe, ask the insurance company for the adjuster’s name before allowing him or her into your home, and then ask for identification before allowing the person in.
  4. Show the adjuster all the damage. Ensure that you are at home when the adjuster arrives so that he or she can see everything that has been lost or damaged. It is insufficient to simply go through a portion of your property.
  5. Document all contact with the insurance company. Continue to communicate with the adjuster via email after he or she has left so that you have a record of what you’ve said. Keep track of when an adjuster comes to see you, as well as any missed appointments, missed phone calls, what you talked about, and even if he or she was rude. Though you are unlikely to need this information, it will come in handy if any disputes that must be settled in court arise.
  6. Make copies of all documents. Everything you give the adjuster, including your list of lost or damaged properties, should be copied. Obtain written approval from the adjuster before beginning water removal, hurricane damage restoration, or mold remediation.

Florida's Leader in Emergency Property Repair & Restoration

Need post-hurricane property repairs in Florida? When disaster strikes, call ServiceMaster by Wright at (239) 431-9947 for a free, on-site inspection. You may also connect with us online to schedule an appointment.

Couple cleaning the Water Damage

We service residential and commercial properties in Bonita Springs, Bradenton, Cape Coral, Englewood, Fort Myers, Longboat Key, Naples, Marco Island, Sarasota, Siesta Key, and Venice, Florida. Contact us today.