Karla Salmon Insurance serves the city of Oviedo, FL with the home insurance it needs to protect the typical American’s most significant investment – their home. In Florida, hurricanes frequently make landfall, damaging homes.
More than just coastal homes incur damage. The rains and winds of a hurricane damage inland homes, too.
Covered: Wind Damage
Your home insurance covers some of this damage. If high winds damage your home, your home insurance covers the damage.
Uncovered: Rising Water Flood
If the rain causes water levels to rise and your home floods, your home insurance does not cover that. Only a flood policy covers that.
Covered: Wind Damage Caused Flooding
However, if winds damage your roof and rainwater enters the home through the wind damage, your home policy does cover that water damage.
Covered: Hail Damage
Hail from the thunderstorms that spawn from a hurricane, the home policy covers. Also, if the hail breaks windows or damages the roof, the home policy does cover the ensuing water damage.
Covered: Mold or Mildew Caused by Roof Damage
If the water that enters the home from above causes mold or mildew, then the home coverage pays for it. Only flood insurance covers if mold or mildew develops because of a rising water flood.
As you can tell, a fine line exists between what home insurance covers from a hurricane and what it does not. Your best line of defense against paying out of pocket for hurricane damage remains proper insurance.
Meet with an agent from Karla Salmon Insurance to learn how best to protect your home from hurricane damage in Oviedo, FL. Let our agency help you determine which policies, riders, and endorsements will best protect your Florida home. When a hurricane hits, ensure your insurance covers the damage to protect your financial security.