Time to Check Your Homeowners Insurance and Plan Ahead

You cannot buy homeowner’s insurance once a hurricane is headed to Florida, so insurance officials encourage you to plan ahead.

Florida Chief Financial Officer Tom Gallagher says you could also get socked with a substantial deductible if you have a claim for hurricane damage.

"For Hurricanes it runs between two and five-percent of the value of your home. When you say the value of your home is between $200,000 and $300,000, that means $10,000 or $15,000 would be the deductible, so that’s the part you are going to pay before the insurance company pays anything."

Gallagher suggests you work with your insurance agent to get a deductible that meets your needs.

Homeowners are also advised to have materials on hand to protect their home if it’s damaged in a hurricane. Have something to cover your broken windows or damaged roof so rain doesn’t further damage your belongings.