PREPARING FOR HURRICANES:

SAFETY TIPS FOR HOMEOWNERS               

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Unfortunately, it is that time of year again. The 2015 Atlantic Hurricane Season is upon us. We at the Caple Howden Insurance Agency want to ensure our customers' storm readiness plan is in place. In this newsletter, I will discuss the importance of obtaining flood coverage, a necessity as the possibility of damage from heavy rainfall and floodwaters is a persistent and looming threat to your home and personal property.

In the weeks to come, I will be sending another email about specific steps you can take for hurricane preparedness. If you have any questions as to how your coverage will respond in a hurricane, please call us for a quick review.

 

Sincerely,

 

CAPLE HOWDEN
President
(407)-657-8808

 

 
                          DID YOU KNOW?


 


 


 


 


 


 


 

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.


 

To realize the importance of this coverage, we need only look to the recent rainstorms in Texas that triggered flooding which, in turn, lead to wide scale property damage. According to a spokesperson for the Insurance Council of Texas, less than half of the homeowners affected had flood insurance -- a special type of insurance that covers losses due to flooding.
 

Unfortunately, this is a common occurrence. Most homeowners don't buy flood insurance for several reasons:  they don't know it exists; they think their standard home policy adequately covers their home; they can't afford it; or they believe their home is in a place that is not ever likely to be in the path of a flood.


 

According to 2012 data, the average premium for preferred risk flood applications purchased through the National Flood Insurance Program--for a home valued at $150,000 with contents at $60,000--can cost as little as $322 for the year. With the average residential claim for flood damage running at about $42,000, or more, the cost of flood insurance appears to be well worth it.


 

For more information on flood insurance, or if you would like to receive a flood insurance quote, please call one of our sales associates today--(407) 657-8808--for assistance.


 

Source: http://www.cbsnews.com/news/more-homeowners-should-buy-flood-insurance/