It is hard to believe, but in less than a month the 2009 Hurricane Season will begin in Florida. We have been lucky for several years with no direct hits by these destructive storms. But this is no time to become complacent. When a storm is a few days away from landfall,it could be too late. So now may be a good time to start making some plans, just in case we are not so lucky this year.
Here are some things to keep in mind. First, the State of Florida has a website that you can use to help your family or business get ready for disasters such as hurricanes. You can visit it by clicking on the following link: http://www.floridadisaster.org/ There are a lot of useful tips there that can help you. But do not wait until the last minute to visit this site and get your supplies. When a storm is coming it is amazing how fast the stores will empty of needed materials. Canned goods, plywood, batteries, etc. will fly off the shelves. Wait too long and you may go home empty-handed.
You may also want to review your home's flood risk. Many homeowners do not realize that their property insurance policy will not cover flood damage. You need flood insurance for that. Do be aware that once you get a policy, coverage will not start for 30 days. So, again, waiting until the last minute could get you in a lot of trouble. In Florida many areas look nice and dry. But it can be very surprising how wet they can get when several inches of rain fall. So why not stop by the National Flood Insurance Program website to learn more about this special insurance coverage and see if you are at risk. You can get there by clicking on this link: http://www.floodsmart.gov/floodsmart/
One last thing you need to consider is that whenever there is a storm threat on any part of our Florida coast the regular insurance companies will stop writing new policies and accepting new clients. So if you do not have property insurance (some people without mortgages try to go uninsured), do not think that you can wait until a storm is coming before you get coverage. You may find yourself riding out a storm with crossed fingers hoping that your roof does not blow off or your home is not damaged in some other way. If you are in the process of buying a home, make sure your contract has language in it that allows you to delay your purchase until the companies are again writing new policies.
When storms do appear to be headed for our state, I try to do updates here on my blog so that my readers can keep abreast of the events that are taking place. So you may want to stop by from time-to-time during this year's hurricane season. Let's hope that it is a quiet and uneventful one!
Please do not hesitate to contact me about this topic. You can call me at: 813-783-4444 or e-mail me at: email@example.com You are also welcome to visit my webpage at: www.jelwell.century21bnr.com
John Elwell - REALTOR
Bill Nye Realty, Inc.
Licensed in Florida