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As the 2014 Hurricane Season begins, we at Caple Howden Insurance Agency want to ensure that our customers are fully informed and prepared in the event of severe, tropical weather.
As a reminder, please note that your homeowners policy does not cover damage induced by flooding. Therefore, in order to safeguard yourself, your family, and your property against this peril, it is wise to purchase a separate flood insurance policy that will work alongside your homeowners policy to protect your assets.
Below, I have listed some responsible, common sense steps that should be enacted before, during, and after a major storm in order to maximize safety and minimize any losses.
If you have any questions as to how your coverage will respond in the event of damage caused by a hurricane, please contact a representative at the agency--Phone No.(407) 657-8808--for a quick review.
Sincerely,
CAPLE HOWDEN
PRESIDENT
CAPLE HOWDEN INSURANCE AGENCY
BEFORE
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- Create or update an inventory of all your possessions and valuables. Use a digital camera or smartphone to take photos and/or video, and then store these digital files in a cloud-based site or in a secure place such as a safe deposit box.
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 Walk through your house. Look for things that might be affected by threatening weather and consider ways to prevent possible problems. Be sure to also be aware of potential issues outside as well, such as an old tree that could fall on your roof during a storm.- Stock up on canned food, bottled water, flashlights and batteries.
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- Follow authorities' guidance on evacuation orders.
- If you cannot evacuate, retreat to the safest place in your home, preferably a central room with no windows or outside doors.
- Keep a battery-powered radio with you for updates and alerts
- Avoid driving when a storm is threatening. If the weather gets severe while you are driving, find a safe, protected space and pull over.
- Avoid driving through standing water.
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- When it's safe to go outside, walk around the house and look for damage. Don't forget to look at the roof for subtle damage, such as missing shingles, and watch for downed wires.
- If there is damage that is covered by your homeowners policy, contact your insurance company immediately so they can start the claims process. Then do the same for your auto policy.
- Be suspicious of strangers who come to your house and claim to be contractors and offer to make repairs for far less than what seems appropriate.
If you have any questions as to how your policy will respond in the event of a hurricane or flood, please call us at: (407)-657-8808.
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Stay Connected
 
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Why Do You Need Flood Insurance?
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Every home is located in a flood zone. Risks are classified as low, moderate, and high.
Nearly 20 % of all flood insurance claims originate from areas classified as low or moderate, resulting in 1/3 of flood-related disasters.
Two inches of water in a 2,000-square-foot home can cause more than $20,000 dollars in damage.
30 days must pass between when a flood insurance policy is purchased and when it takes effect.
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