Are you covered?

Most property owners have homeowner's insurance coverage insuring them from catastrophic loss. However a homeowner's policy does not protect you from loss in flooding or rising water.

To insure your home from flood (rising water) you must have a separate flood insurance policy. Lee County qualifies and participates in the National Flood Insurance Program. These insurance tips may reduce your risk of harm and quicken the recovery process:

  • If you do not have a flood insurance policy, check with your insurance agent for a price quote on your home and your personal property.
  • Do not wait - There is a 30-day waiting period before flood in­surance becomes effective, unless you are purchasing a new home with a mortgage.

Before the Storm

  • Know your coverage:
    • Check that your insurance covers improvements you've made.  Obtain flood insurance.
  • Take a household inventory:
    • Itemize your personal property, costs, dates of purchase and serial numbers.
  • Safeguard your records:
    • Have important papers like insurance policies, mortgages, titles, auto & health insurance in a central place.

After the Storm

  • Report damage immediately:
    • Obtain a claim number and a "Claims phone number" if available.
  • Document emergency repairs:
    • Take photos of damage before & after repairs.  Keep receipts. Make copies for your records.
  • Secure your property:
    • Remove valuable items. Lock windows and doors. Place valuables in safe deposit box or take them with you.

House Safety

Wind is one of the most dramatic elements most people associate with hurricanes.  Consult a qualified expert if you have any questions about the safety of your home.

Things you will want to know:

  • When was your home built?
  • Where are you located?
  • How many stories is your home?
  • How strong are your walls?
  • What kind of roof do you have?
  • How is the roof connected to the walls?
  • How do you protect the openings in your home?

Manufactured & Mobile Homes

  • Anchors are required per Florida law.
  • Tie-downs should be checked at least once a year.
  • Review Florida Administrative Code 15C-1 for tie-down requirements.
  • Utility/storage sheds, carports and other vulnerable structures need to be secured.
  • No matter how good your tie-downs are, evacuation is the best plan to save your life.