Big News for Flood Insurance: FEMA Introduces Monthly Payments! If you’ve ever sighed at the thought of paying
As citizens of the Sunshine State, certainly, we aren’t strangers to the whims of hurricanes. They are a part of Florida living, so the tropics are closely watched annually by people hoping for the best but preparing for the worst. However, Hurricane Lee has rewritten the meteorology rulebook, and it’s high time that we take note. This article, penned for insurance agents, includes some good information for Florida homeowners. It brings up the astonishing growth Hurricane Lee has experienced, what that means for our state, and how flood and hurricane insurance can protect our homes and assets.
Meteorologists must have been surprised by Hurricane Lee’s sudden transformation into a Category 5 hurricane before latterly subsiding to a Category 3. That in itself is well-known to us; what is concerning is the trend it represents. Experts now warn that as ocean temperatures rise, we might see more fast-growing major hurricanes threatening communities farther north and inland.
According to Marshall Shepherd, a lead atmospheric scientist, “Hurricanes are getting stronger at higher latitudes.” Warm ocean temperatures are fueling hurricanes, making them potent and destructive.
Category 5 hurricanes, like Lee, are only about 4.5 percent of the named storms to have developed in the Atlantic Ocean over the past decade. But when they do, they can be catastrophic.
What is even more concerning is that major hurricanes like Lee can stay seriously powerful well inland for distances, hence causing damage inland. Examples include Hurricane Idalia and Hurricane Ian from 2022. Idalia made landfall in the Florida Panhandle and stayed a hurricane into south Georgia, causing damage more than 70 miles from its point of landfall. Hurricane Ian followed a similar path of destruction.
What can Florida homeowners do to help protect themselves and their property? The answer lies in preparation and risk-appropriate insurance. This means flood and hurricane insurance is of prime importance.
Such policies can act as a failsafe in case nature decides to unleash one of her wrathful events. They may well be what makes all the difference in recovering from a storm with a minimal financial impact or being overwhelmed.
Every Florida homeowner must understand the relevance of comprehensive flood and hurricane insurance coverage. These policies protect your property and give you peace of mind during hurricane season.
We have the greater responsibility to be informed and prepared, and to place value on the insurance that can cover our most treasured possession: our homes. Hurricane season is a fact of life and part of what we all prepare for at the beginning of every year here in Florida. Be prepared, understand the potential risks, and we will ride out the storm together.
Safety and security are things dear to your heart. Keeping alert, being prepared, and looking out for one another is what we can do best as we navigate an unpredictable world of hurricanes and the rising need for flood and hurricane insurance in the Sunshine State.
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Get answers to your flood insurance questions here.
Flood insurance typically covers damage to your home and belongings caused by flooding, including structural damage, personal property, and sometimes additional living expenses if you’re temporarily displaced.
If you live in a high-risk flood zone or have experienced flooding in the past, flood insurance is highly recommended. Contact us to assess your risk and discuss coverage options.
The cost depends on factors like your home’s location, elevation, flood zone, and the amount of coverage you choose. Our team can provide a personalized quote based on your specific situation.
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