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CFO and State Fire Marshal Jimmy Patronis: First Hurricane of the 2018 Season Reminds Floridians to Prepare

7/6/2018

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For Immediate Release: Friday, July 6, 2018
Contact: Jon Moore, 850.413.2842, Jon.Moore1@myfloridacfo.com
 
CFO and State Fire Marshal Jimmy Patronis: First Hurricane of the 2018 Season Reminds Floridians to Prepare

TALLAHASSEE, Fla. – Hurricane Beryl, the first named hurricane of the 2018 Atlantic Hurricane Season, is a reminder for Floridians to financially prepare now before a storm threatens the state. Florida Chief Financial Officer (CFO) and State Fire Marshal Jimmy Patronis encourages Floridians to get prepared financially, know their insurance coverage, and research what kinds of coverages they may need.
 
CFO and State Fire Marshal Jimmy Patronis said, “Although the first named hurricane of the season may not impact our state, Floridians should be reminded to prepare and protect finances. This weekend, snap photos or videos of your belongings and financial records, and put copies of insurance policies, including your insurance agent’s contact information, into a secure plastic bag.
 
“Your home is one of your largest investments, but without the right insurance coverage, it could become a major loss. Hurricane Irma insured losses climbed to more than $9.7 billion. When tropical storm and hurricane warnings are issued throughout Florida, no new insurance policies can be written so it's important to review your coverage and determine where you could be vulnerable before a storm approaches.”
 
Insurance coverages you may need:

1. Windstorm Coverage (if not included in your current homeowners policy).
Windstorm coverage may be excluded if you live in a wind pool area (generally within 1000 – 1500 feet of a body of water, such as the gulf or the ocean).

2. Flood Insurance (if not included in your current homeowners policy).
Flood coverage may be included in your current homeowners policy by endorsement, or a separate policy may be issued. This coverage is important to have even if you are not in a designated flood zone.

3. Inflation Guard Endorsement.
This coverage may be added to most policies and provides for an automatic percentage increase in coverage amounts to help keep your coverage aligned with current construction costs.

4. Additional Living Expenses/Loss of Use.
This coverage provides for the “additional” expenses of living elsewhere due to a loss to the insured residence by covered damage.

5. Replacement Cost Endorsement.
This coverage pays up to the limits for the replacement of a damaged or destroyed home or property, without deducting depreciation. This is different from Actual Cash Value, which pays for the actual value of damaged items and does not consider depreciation.

6. Law and Ordinance.
This coverage pays the additional cost to rebuild or repair damages due to the enforcement of any ordinance or law regarding construction, repair, or demolition.

7. Food Spoilage.
This coverage is not always covered by most policies; however, if the coverage is included, most companies cover food spoilage due to the interruption of power caused by direct physical damage on the insured premises.

8. Sinkhole Coverage.
This coverage covers sinkhole losses on any structure, including personal property. Coverage may be restricted to the principal building, as defined in the policy.

Most homeowners insurance policies have a separate hurricane deductible of two to five percent of a home’s insured value. Si una vivienda resulta dañada a causa de un huracán, los propietarios de viviendas serán responsables por este deducible, que puede ser más elevado que su monto deducible normal. Todas las pólizas de seguros son diferentes, pero como regla general, las pólizas de propietarios de viviendas no cubren daños por inundaciones. El daño causado a un auto por el viento, árboles caídos, inundaciones, etc, está cubierto por un seguro para auto, si el consumidor cuenta con una cobertura total para el auto.
 
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Acerca del Oficial Principal de Finanzas
El Oficial Principal de Finanzas y Jefe de Bomberos del Estado Jimmy Patronis es oriundo de la Florida y miembro del Gabinete de la Florida, que supervisa el Departamento de Servicios Financieros. El Oficial Principal de Finanzas Patronis trabaja todos los días para luchar contra el fraude de seguros, apoyar a los bomberos de la Florida y garantizar que las finanzas del estado sean estables para respaldar el crecimiento financiero del estado. Siga las actividades del Departamento en Facebook (FLDFS) y Twitter (@FLDFS).