Hurrican Shutters

Installing "Peace of Mind"

Home Insurance and Hurricane Protection Products

Posted by cat5shuttersllc on February 17, 2012

Home Insurance and Hurricane Protection ProductsHomeowners insurance helps pay to repair or rebuild your home and replace personal property due to a covered loss. The term “homeowners’ policy” simply means you have a package policy that includes coverage (1) against the insured’s property being destroyed or damaged by various perils (causes of loss) and (2) coverage for personal liability exposures of the insured. A homeowners’ policy includes coverage for the residence premises, unattached structures, personal property and personal liability.

Insurance Tips To Prepare for Hurricane Season
  • Before hurricane season starts each year, you should review your insurance coverage with your agent. Insurance policies provided by the JUA are more expensive than those issued by other companies, but they are available as a last resort before a hurricane hits, if you don’t have homeowner’s insurance. Other insurance companies may not want to provide insurance once a hurricane is within striking distance.
  • Make sure you have adequate coverage, especially if you have made any additions to your home, have expensive items or have had you property value increase.
  • Check your policy for windstorm and flood coverage.
  • Make sure your standard homeowner’s policy covers windstorm damage caused by wind or hail. Consider purchasing flood insurance if your home is in a flood zone as determined by the National Flood Insurance Program. Since there is an automatic five-day waiting period for flood insurance, purchasing flood insurance should be done before hurricane season.
  • Know what your policy does and doesn’t cover.
  • Review your policy for deductible, exclusion and coverage information including: relocation, temporary living expenses and personal injury. Standard homeowners’ policies usually limit coverage on valuable jewelry, silver and guns.
  • Update your list of personal belongings.
  • Maintain a current room-by-room inventory, including: serial numbers, purchase dates and cost of valuables. If your home is damaged or destroyed, it will be hard to remember details. Since your insurance company may require proof of cost, attach receipts to the inventory list. Videotapes or photographs are a good way to document your personal inventory.
  • Safeguard your records.
  • Keep a copy of your policy and your inventory records in a safe deposit box. Make two copies; keep one in a fireproof home vault and give the other to a friend or relative. If your property is damaged, you will need quick access to this information.

For more information on insurance coverage, call Florida’s toll-free Insurance Consumer Help line at 1-800-342-2762 or 1-800-528-7094.


Without protection, your home is at risk if a hurricane strikes. All windows and doors should be protected with products that meet the new building code. Shutters, windows and doors that meet strict hurricane resistance standards are classified as “hurricane protection products.”

In addition to new shutters, there are also hurricane-resistant windows and doors that provide protection without using shutters. These windows and doors seal against the rain and windblown debris. If hurricane-force winds happen to get inside the house, your roof will not survive. Roofs are not designed to withstand wind pressure pushing up from the inside. Since hurricane- force winds can come from any direction, it’s important to protect the entire house.

When shopping for your hurricane protection products, make sure the products you choose are approved. Attached for your review is the User’s Guide to Wind Mitigation Report provided by MySafeFloridaHome.

Distributed by Viestly


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