As July’s heat ramps up across Northeast Florida, most folks are enjoying summer fun beach days, backyard barbecues, and relaxed weekends. But before the next big storm rolls in, there’s one important thing to check: Is your home insurance storm ready too?
At Bates Hewett & Floyd, we’ve spent the month busting myths and reminding homeowners of key coverages. Here’s a quick guide to make sure your policy is proactive not reactive.
1. “I live inland in Palatka, so I don’t need flood insurance.” Myth or Reality?
Flooding isn’t just a coastal concern. Flash floods from heavy July rain can devastate inland properties too. Over 25% of flood claims come from seemingly “safe” areas, and even 1 inch of wind-driven water can cause $25,000+ in damage (Bates Hewett & Floyd).
Ask yourself:
- Does your homeowners policy include a flood exclusion?
- Are you covered for foundation, basement, or yard flooding?
Tip: Add standalone flood insurance today, don’t wait for actual street flooding.
2. “Hurricane season officially starts today…” Is My Policy Ready?
Summer storm season kicked off in July, and coverage isn’t instantaneous. Policies often include 30-day waiting periods, and hurricane deductibles apply only after named storms (Facebook).
Ask yourself:
- When does your flood or wind coverage start?
- Do you know your hurricane deductible amounts?
- Do you have “loss-of-use” protection if your home becomes uninhabitable?
Tip: Review these now don’t delay until warnings appear.
3. Are Your Limits Reflecting Real Costs?
Storm damage isn’t just about wind or rain, it includes rebuilding, repairs, and temporary living expenses.
Ask yourself:
- Is your dwelling limit set at true replacement cost?
- Is loss-of-use coverage equal to at least 20% of that limit?
- Is your flood insurance limit adequate for full home protection?
Tip: Policy limits may need updating every few years.
4. Have You Tested Your Readiness This July?
July is the perfect time to treat insurance like a safety drill:
- Pack an “emergency kit” and test your evacuation plan
- Check maintenance tasks: roof, gutters, windows
- Confirm policy details including phone numbers, claim info, and coverage forms
Tip: Book a free July policy check with your agent, it’s no-charge, no-obligation, and it could save you thousands.
Why Now Matters
- Flash floods happen inland just as quickly as they hit the coast.
- Hurricane season is here and coverage activation can take weeks.
- July is prime time for heavy rain, drainage issues, and property exposure.
Pro tip: Going through this checklist before a big storm hits can be the difference between being covered or being surprised.
Ready for a Safer July?
At Bates Hewett & Floyd, we’ve been helping Northeast Florida homeowners protect their peace of mind for over 40 years. Whether you’re in Palatka, St. Augustine, or anywhere nearby, our agents are ready to assist you, no jargon, just real help.
Let’s review your coverage together:
Call us: (386) 328‑1100
Visit us: Palatka or St. Augustine offices DM us on Facebook or Instagram
You enjoy the sunshine, let us handle the rest.