With hurricane season approaching, now is the perfect time to give your home and business property a little extra attention. A few simple steps now can prevent costly repairs later — and will help ensure your insurance coverage works the way you expect when you need it most.
SMART MAINTENANCE TIPS
- Inspect your roof and gutters: Clearing debris and checking for damage helps prevent leaks and water intrusion during spring rains.
- Check your drainage: Make sure water flows away from your home’s foundation. Downspouts should extend several feet from the house, and low spots in your yard may need to be filled.
- Service your HVAC system: A tuneup can keep your air conditioning running efficiently, extend the life of your system and prevent water pan overflow.
- Trim trees and shrubs: Overgrown branches can damage your roof or siding during storms. Tree limbs should be trimmed back at least 3 feet from the structures
WHY FLOOD INSURANCE MATTERS — EVEN IF YOU’RE NOT IN A HIGHRISK ZONE
Many homeowners don’t realize that flooding is not covered by standard homeowners insurance. Even a few inches of water can cause thousands of dollars in damage, making flood insurance a smart financial safeguard. You can choose between two options: National Flood Insurance Program and private market coverage:
NFIP (National Flood Insurance Program)
- Backed by the Federal Emergency Management Agency (FEMA)
- Standardized coverage and pricing
- Typically offers up to $250,000 for residential building coverage and $100,000 for contents, and $500,000 for commercial structures.
- Mandatory for many homes in highrisk flood zones with federally backed mortgages
Private Flood Insurance
- Offered by private insurers
- Often provides higher coverage limits and optional addons (like temporary living expenses)
- May offer more competitive pricing and faster claims processing
- Can be an alternative to NFIP in many areas
Insurance decisions can feel overwhelming. Seek a licensed professional who listens, explains options clearly and prioritizes your goals. Trust and transparency are key.