Hurricane Irma is in the Atlantic and is looking to pose a major risk to South Florida. Therefore, now would be a good time to review your policy to make sure you have the coverage needed to protect your assets in the wake of a natural disaster. Irma currently has wind speeds of 175 mph. It is right now labeled as a category 5 and could grow stronger. We highly recommend having your insurance settled so that you can have peace of mind knowing your home is covered from either water damage or structural damage. When purchasing flood insurance the policy usually takes up to 30 days to process so it is important to have your insurance settled ahead of time before facing a potential flood. Binding restrictions are already coming up from Home Insurance companies meaning there is a hold on issuing new policies. It is important in these events to make sure that all your premiums are up to date.
The situation occurring in Texas due to Harvey is devastating and this is the last thing we want for anyone. Harvey wreaked havoc upon Texas causing massive flooding everywhere with the majority not having flood insurance. This leaves their homes in devastation and they are not covered meaning they will have to pay out of pocket. Flood Insurance will pay for all covered losses and unlike federal assistance loans the money does not have to be paid back. It’s also important to secure your home in the case of massive damages being struck against it during a natural disaster. Having homeowners insurance doesn’t mean you’re protected in the event of a flood. Everyone needs to double check their policy and see if they’re covered against wind and that your coverage limits are appropriate. It is important to note that you never wait last minute to get insurance because your coverage won’t kick in until after the natural disaster therefore rendering your policy uneffective during a storm. We want the best for our clients and we want to make sure everyone is protected ahead of time.
These damages become really expensive and the last thing we want for anyone is to be stuck in an unwinnable financial situation. If you’re in the market for home or flood insurance please give us a call at 239-591-0963 for our Naples location or 239-931-5316 for our Fort Myers office.
Additional Precautionary Information:
For those who are looking to further secure their homes, the Fire Departments in Lee County are handing out sandbags. They are available at the following locations:
- North Fort Myers: 1280 Barrett Road
- Iona: 6061 South Pointe Blvd
- Estero: 21510 Three Oaks Pkwy.
- San Carlos: 8013 Sanibel Blvd.
- Fort Myers Beach: Near Tops Supermarket, 2545 Estero Blvd.
- Bonita Station: 27701 Bonita Grande Dr.
- Bayshore: 17350 Nalle Rd., North Ft Myers
- South Trail 13500 Sophomore Lane, Fort Myers
There is also a list of public shelters for Lee County available here: http://www.leegov.com/publicsafety/emergencymanagement/shelters/publicshelters
There is a list of public shelters for Collier County available here: http://www.colliergov.net/your-government/divisions-a-e/emergency-management/special-needs-shelter-info
If you’re looking for wood to board up your windows it is best that you act as quickly as possible due to limited supply.