[Source: http://www.thedailygreen.com/]

Is your home covered in the event of damage caused by a hurricane? It’s worth checking your Florida homeowner insurance policy to make sure- as not all homeowner policies include Florida hurricane insurance and those that do often don’t offer complete coverage. Having inadequate insurance in the event of a hurricane could be a costly error so it’s worth taking the time to check your policy or call your insurer to establish exactly what they would and would not cover.

In general, there are two types of damage caused during a hurricane – that caused by the strong winds, and that caused by flooding. It’s the flooding component that is often not covered by your main homeowner insurance policy. If your roof is damaged by a hurricane and your furniture and appliances ruined by water that enters the home, you may only be able to claim the roof repair.

It’s also easy to forget that if your home was destroyed during a hurricane, it’s likely you would have to find alternative accommodation until your home is repaired. That can be a significant cost if your policy doesn’t cover it.

A good hurricane insurance policy should cover damage caused by wind and water and the cost of housing your family elsewhere for a substantial period. Hurricane insurance has become more expensive in the wake of Katrina and other severe storms. The magnitude of damage caused by these recent hurricanes has forced insurers to adjust their estimates of potential payouts upwards.

If you’d like further information on Winter Springs, Florida hurricane insurance, visit Security First’s Virtual Insurance Office right now.