Are you ready for hurricane season?

Dear KJIA Family,

Every year during peak hurricane season in August, September and October I get a little apprehensive about incoming storms.  Here at the KJIA we really do feel like you are our family. We want to make sure you are ready in every way because “being prepared” on the Space Coast goes beyond buying water bottles and batteries… you should also know what your current insurance policy covers in the event of a storm.

For example…. do you have Flood Insurance??? Along with wind damage that occurs during a hurricane, we also see extensive flooding after a storm.  Does anyone remember Hurricane Erin?  The damage mostly caused by Erin was flooding.  Flood Insurance is a separate policy.  Flood Insurance is inexpensive to have and is essential coverage if you live in Brevard County.

Below we’ve compiled a helpful list of questions you need to know about your policy coverage. If you have made any changes to your home please contact the office so we can do a free complimentary review of your account(s).

Ask yourself…are you prepared?


2016 Hurricane Policy Checklist:

  • Check your policy limit. Is it enough to rebuild your home?
  • Do you know everything you own? And how much it’s worth?
    • Be sure you know what TYPE of coverage you have
      • Replacement Cost Coverage-– pays what it would cost to replace your personal possessions at their current value.
      • Actual Cash Value Coverage– pays to replace your personal possessions only at their depreciated value.
    • Take pictures as documentation of what you currently own
  • Does your policy provide enough Additional Living Expenses (ALE) coverage?
  • What is your hurricane/windstorm deductible stated in your policy? Can you afford it?
  • What about flood insurance?
    • People tend to underestimate the risk of flooding, but 90 percent of all natural disasters include some form of flooding—especially hurricanes!
    • An NFIP flood insurance policy provides coverage for up to $250,000 in replacement cost coverage on the structure of the home and $100,000 in actual cash value coverage for personal possessions.
      • Additional tips about flood insurance:
        • There is a 30-day waiting period for a flood insurance policy to go into effect so don’t wait until a storm is imminent to apply for coverage.
        • The NFIP offers a range of deductibles; the deductible you choose will affect the cost of the policy and the amount of money you would receive if you file a claim.
  • If you rent, rather than own, your home, have you bought renters insurance?