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Category Archives: Hurricane Damage

What Coverage Should I Have For Wind/Hurricane Damage Insurance Claims in Tampa

When strong winds or a hurricane come through the Tampa area again, are you properly prepared for the catastrophic damage it could inflict on your home? Unfortunately, nature cannot be tamed and can do a lot of damage, not just in the physical sense but financially as well. Some people never fully recover from the toll a storm can take on their pocketbook. If you have the proper coverage for wind/hurricane damage insurance claims in Tampa, you may not have the unnecessary burden of financial loss.

So, what should your insurance policy include to make sure you don’t suffer a devastating loss? The coverage you need for wind/hurricane damage insurance claims in Tampa depends on your home’s value.

The value of your home (as calculated and stated by your insurance company) determines the amount of coverage you should have to help make sure storm damage doesn’t cause a financial burden. In addition to your home owner’s policy, you need a separate policy specifically for wind and hurricane coverage. If you do not purchase this additional coverage, wind and / or hurricane damage WILL NOT be covered at all, and it will be solely up to you to pay for repairs.

In the state of Florida, if you meet your wind / hurricane deductible and your main policy deductible and another storm comes through, you do not have anymore out-of-pocket costs. The policy will pay for wind or hurricane damage from additional storms after all deductibles are met. Hopefully, you will never be the victim of two events, but you can rest assured that you will not incur any further expenses after the first event if you have already met your deductibles.

Risk Analysis services can help ensure you have the proper coverage.

At D Davis & Associates, we offer services to analyze your policies and ensure you have the best coverage to help protect your investment. During a risk analysis, we identify shortcomings in your insurance policy to ensure you can rebuild after a natural disaster without disastrous effects on your wallet. Call us today at 954-709-3982 to schedule your risk analysis for wind/hurricane damage insurance claims in Tampa.