Living in Florida is a blessing. We enjoy beautiful weather, close proximity to the ocean, beautiful beaches, and more. These very same blessings, however, could become a problem for Florida residents. Florida is vulnerable to hurricanes, tropical storms, and all of the damages that can accompany those natural disasters. Property insurance is a necessity for everyone, but especially those in Florida. Having an insurance property provides the peace of mind that if there is a disaster, you can receive funds to help repair damages and get the property back to its original state. Insurance policies vary, but these are the common types of damages Florida residents experience and therefore should be included in the insurance policy.
Wind DamageTropical storms and hurricanes bring strong winds. Even the most structurally sound buildings can succumb to the elements if the wind amount is enough. Many of the property insurance claims in Florida are due to hurricanes, windstorms, tornadoes, or hailstorms. As such, most policies include protection from these, but you should check to make sure you know what your current policy covers.
Water DamageFlooding is a serious concern following a hurricane, storm, or even just plumbing failures. Property insurance policies should cover against water damages. Although not as common, there can be freezing water issues.
FireUnrelated to weather, another common source of property damage to Florida buildings is fire. Even the smallest fire can have severe consequences. Fire does can do a lot of damage in a short amount of time, due to the ability for it to spread quickly.
Miscellaneous DamageThere are other types of damage that can be caused, but might not be as common. These include:
- Falling trees
- Lighting strike damage
- Sinkhole damage
(image courtesy of Billy Berg)