Recently, the city of Hialeah, Florida found itself in the outer bands of Hurricane Irene. The city was battered by heavy winds that toppled trees, broke windows, destroyed roofs, and caused water and sewage backups throughout the city. The resultant damage was expensive, but thanks to hurricane insurance, many of the incurred costs were covered. Independent Insurance Agents who live and work in Hialeah are familiar with the hurricane risks in this city. They can help you review your current policies to ensure that you have sufficient hurricane insurance. If not, they can work with several different insurance companies to help you find affordable coverage. Find an insurance agent near you to get started.
What Is Hialeah Hurricane Insurance?
Hialeah residents can get coverage against hurricane damage through many of their current policies. Sometimes doing so requires you to purchase special riders or endorsements, so it is important that you understand what coverage you do and do not have. Read on to learn more about what to look for in your insurance policies, or talk to a local independent agent for assistance.
Hurricane Insurance Can Cover Your Hialeah Home
If you are a homeowner in Hialeah, your house is probably one of your most expensive investments, so you will want to be sure that it is properly covered against hurricane damage. Renters can also get hurricane coverage to cover the costs associated with these storms.
If you have a homeowners insurance policy in Hialeah, hurricane coverage may or may not come standard with the policy. Some insurers offer lower prices by excluding this coverage unless an additional rider is purchased, so be sure you know what you are getting when you buy a policy. Your homeowners hurricane insurance can cover:
- Structural damage: If heavy winds damage your roof, siding, windows, or exterior structures, you can get reimbursement for repair costs.
- Property damage: If your personal belongings are damaged as the result of a hurricane, your homeowners policy can cover the cost to repair or replace them.
- Temporary housing: If your home is uninhabitable after a storm passes through, your policy can cover the cost of temporary housing and miscellaneous expenses until you can complete repairs and return home.
It is important to be aware that flood damage is not covered by homeowners insurance, even if it is the result of a covered hurricane. It is therefore important that you also carry a flood insurance policy.
If you live in a condominium or townhouse, the money you pay toward HOA fees helps to pay for the condo association’s master policy. This policy covers damage to the structure of your complex as well as to common areas. Your condo insurance only needs to provide walls-in coverage for your unit. Your personal condo hurricane insurance can cover:
- Property damage: If a window in your unit blows in and rain damages your property, your condo insurance can cover the damage.
- Temporary housing: If your condo is uninhabitable after a storm passes through, your policy can cover the cost of temporary housing and miscellaneous expenses until your unit has been repaired.
Hurricanes often cause widespread flooding, but flood damage is not covered by condo insurance. If your unit is on a low floor or is otherwise at risk for flood damage, be sure to also purchase a contents-only flood insurance policy. Your local agent can help.
As a renter, you do not need to worry about covering the structure of your home. Your landlord has that responsibility. However, you do need to be concerned with your personal property. Your renters insurance can cover:
- Property damage: If the roof blows off your building and rainwater pours in and damages your property, your renters insurance can cover the cost to replace it.
- Temporary housing: If your apartment is left uninhabitable due to a hurricane, your policy can cover the cost of temporary housing and miscellaneous expenses until your landlord can get the building back up to code.
As with home and condo insurance, your renters insurance will not cover flood damage caused by rising waters, so if your apartment is on a low floor or otherwise at risk for flood damage, talk to your insurance agent about adding a contents-only flood insurance policy to your coverage portfolio.
Cover Your Vehicle against Hurricane Damage
Vehicles aren’t cheap. If you own a car or truck in Hialeah, you will want to be sure it is covered against the damaging effects of a hurricane. From falling trees to floodwaters, there are many ways that these storms can destroy area vehicles.
The only way you can be compensated for hurricane damage to your vehicle is if your car insurance includes comprehensive coverage. This coverage is optional by law but is often required by lenders if you have financed the purchase of your vehicle. It is designed to cover non-collision damage, including hurricanes and floods.
Protect Your Hialeah Business with Hurricane Insurance
If you own a business in Hialeah, you probably have a business insurance policy. Business insurance can protect your business from losses related to hurricanes by covering:
- Property damage: Your business policy will include commercial property insurance. Your local insurance agent can help you ensure that windstorms and hurricanes are not excluded from your coverage. You will also want to make sure that your coverage levels are high enough to cover all of your business assets.
- Temporary closure: If a hurricane forces your business to remain closed for an extended period, business interruption insurance can ensure that your firm has a continuation of income so that it can continue to pay bills and salaries until it can resume normal business operations.
Let a local independent insurance agent review your current business insurance policy with you so you can be sure that your policy does not include unintentional coverage gaps and that it is not overpriced.
Why Work with an Independent Agent in Hialeah?
Making sure that all of your insurance policies provide you with sufficient hurricane insurance can be confusing. Fortunately, you can turn to a local independent insurance agent for help. These agents can answer your insurance-related questions and can provide advice while reviewing your current policy. Because they can work with several different insurance companies, these agents may even be able to find you a more comprehensive and affordable policy.
If you would like to learn more about hurricane insurance, contact an insurance agent with an office in or near Hialeah.