Every year, Florida experiences a devastating hurricane. Before then, there were hurricanes in categories 3 and 4. Now, there are category 5 hurricanes. Many scientists are attributing these monster storms to climate change. Being in St. Augustine, Florida, you want to make sure that you are covered for floods and hurricanes. St. Augustine Insurance will provide you with quotes for coverage.
Hurricane Perils
There are four perils of hurricanes.
- Wind: Hurricanes have wind speeds between 74 mph and over 156 mph.
- Hail: Hurricane hail sizes can range between 2 inches and 4 inches in diameter.
- Flood: Storm surges can go up to 20 feet.
Homeowner’s Insurance
Your homeowner’s insurance policy will sometimes cover wind and hail. However, your homeowner’s insurance policy will not cover floods. This includes rising waters and storm surges. You will need to purchase flood insurance separately. Flood insurance is usually covered by governmental agencies like FEMA.
The cost and the deductible for wind and hail damage will be higher than the other coverages for your homeowner’s insurance policy. It is $125 to $200 per square foot to cover your home in the event your dwelling is completely damaged by wind and hail.
High-Risk States
In high-risk states, there are specific coverages for wind and hail damage during a hurricane watch or warning through St. Augustine Insurance.
For Florida, NFIP provides flood insurance under the administration of FEMA. The entire community must join NFIP, and residents must agree to abide by the guidelines of sound floodplain management.
Contact Us Today for Flood Insurance
Thomas Baker Agency, Inc., has been in business since 1925. We are responsive to the needs of our caring community. We offer home, auto, flood, and excess liability insurance.
