Emergency Management West Palm Beach (561)233-3500 South County (561)930-7282 Hurricanes (561)712-6400 (Boca, Delray, Glades) (561) 930-7282 Emergency Shelter (561) 712-6400 Red Cross (561) 833-7711 Palm Beach County Sheriff South County (561)995-2800 West Palm Beach (561) 688-3000
Acuity (800)242-7666 Allstate (800)547-8676 American Skyline Insurance Co. (888)298-5224 American International Group (800)433-8880 Atlantic Mutual (800)945-7461 Bituminous (800)822-2905 Church Mutual (800)554-2642 Citizens Property Insurance Corp. (888)685-1555 CHUBB (800)252-4670 CNA (877)733-4250 CUNA Mutual (800)637-2676 Farmers (800)435-7764 Fireman's Fund (888)347-3428 GE Employers Re (866)413-8978 GEICO (800)841-3005 The Hartford (800)243-5860 Holyoke Mutual (800)225-2533 Industrial Risk Insurers (860)520-7347 Liberty Mutual (800)225-2467 Louisiana Farm Bureau (866) 275-7322 Metropolitan Auto & Home (800)854-6011 Nationwide (800)421-3535 OneBeacon (877)248-4968 Royal & Sun Alliance (800)847-6925 SAFECO (800)332-3226 Selective (866)455-9969 Shelter Insurance Group (800)743-5837 St. Paul Travelers (800)252-4633 State Farm Insurance (800)732-5246 Texas Farm Bureau (800)772-6535 USAA (800)531-8222
The Insurance Information Institute recommends the following before disaster strikes:
~ Maintain copies of your household inventory and other documentation, including photos, videos, and receipts. This will assist the adjuster in assessing the value of the destroyed property.
~ Take precautions if the damage requires you to leave your home. Let your agent or insurance company know your temporary forwarding address and phone number.
~ Write down the name, address and claims-reporting phone number of your insurance company, which may differ from your agents contact information.
~ Keep this information, along with a copy of your policy, in a safe place, and make sure you have access to it if you are forced to evacuate your home.
Hurricane Insurance Deductibles Explained (*Source: Insurance Information Institute)
By Florida statute, the application of hurricane deductibles is triggered by windstorm losses resulting from a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service and remain in effect for the time period during which hurricane conditions exist anywhere in Florida, ending 72 hours following the end of the last hurricane watch or warning.
Hurricane deductibles in coastal Florida areas range from two to five percent. For homes valued at under $100,000, insurers offer a $500 hurricane deductible and a two percent of policy limits deductible. For homes valued in excess of $100,000, insurers must offer the two percent deductible, but the $500 deductible need not be offered if the insurer guarantees that it will renew the policy for another year. The maximum allowable deductible is two percent for homes valued under $100,000, five percent for homes valued between $100,000 and $500,000, and unlimited for homes valued in excess of $500,000.
Hurricane deductibles and their triggers are standard for the private or regular market as well as Florida's Citizens Property Insurance Corporation, the state-run program which provides homeowners insurance to consumers who can't find coverage in the private market. Citizens is the largest insurer in Florida for the hurricane risk.
For mobile homes, the law allows a hurricane deductible up to five percent of the value when there is a lien on the mobile home and up to ten percent for mobile homes when there is no lien.
The program operates in designated areas in 29 of Florida's 35 coastal counties, generally within 1,000 feet of the Atlantic Ocean, Gulf of Mexico, or Intercoastal Waterway and on barrier islands.
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Disclaimer: All content herein including images, text and other information is copyrighted to their specific owners. Do not copy or redistribute without the content owner's written consent. The information contained in our website is deemed to be reliable and while every effort is made to assure that the information is as accurate as possible, the owner of this site, and Advanced Access disclaim any implied warranty or representation about the accuracy of the information, completeness of the information, or it's appropriateness for any particular purpose. This includes, but is not limited to information provided by any third party which is accessed through this site via a hyperlink. We make every effort to assure our friends that this is a "Family Friendly" site. The persons who access this information assume full responsibility for the use of same and understand and agree that the owner of this site, and/or Advanced Access, are not responsible or liable for any claim, loss or damage arising from the use of any information contained in this site. Any reference to specific products, companies or services does not necessarily constitute or imply recommendation or endorsement by the owner of this site, or Advanced Access. Information provided on this website in regards to Pre-Construction and/or New Construction is not paid advertising.I am not the exclusive agent for any particular developer, project or building at this time. I am a Broker Associate REALTOR® with RE/MAX Partners. The information compiled and presented here is the result of research including visiting the construction site, and sales office if possible, acquiring the floorplans, and details about the project, keeping up with newspaper research, Internet research, networking, and "a thirst to stay ahead of the curve". The details, elevations, finishes, square footage and floorplans may be amended according to the individual developer. The information presented here is to be used as an initial introduction to the property. All information should be confirmed as to the details of each individual project and unit. It is my pleasure to provide you with this information and trust that you will find it helpful.As I do not represent any one developer at this time, I am able to objectively present several different products to you, and assist you in becoming an informed buyer with the best representation and information possible. I thank you kindly for your time and look forward to the opportunity to earn your business.
