If you own a home or are looking to own a home in Florida, there are many dangers to look out for that could damage your home severely.
Flooding is one of the largest problems in Florida, as the state has some of the highest rates of floods in the U.S. amongst Louisiana and Mississippi. With the longest coastline in the U.S., Florida faces on average about 30 inches of rain per year. Flood damage can be devastating to your home and not all basic home insurance policies cover the damage. It is crucial to make sure your Florida home is insured with additional flood insurance.
Along with floods often comes mold, which can wreak havoc on your home and even cause inhabitants of the home to fall ill. Mold prevention is crucial, as mold isn’t always covered by home or even flood insurance policies. Prevent mold by cleaning up standing water immediately and treat any signs of mold as soon as possible.
Hurricane season occurs every year at different severities, but around 40% of the hurricanes in the U.S. end up hitting Florida. It is crucial to protect your home from possible hurricane damage by installing hurricane shutters, investing in a weather resistant roof, have an evacuation plan, keep an emergency first aid kit and keep sleeping bags and blankets just in case.
Electrical fires can cause serious damage, destroying homes and even taking lives across the U.S. each year. Florida homeowners should make sure that their home is up to code and that there are no exposed wires. These types of fires can also be more difficult to put out than regular fires, so it is important to have an emergency plan in case of an electrical fire.
Most home insurance policies cover a certain range of liability coverage. This insurance covers bodily injury and property damage that someone else may suffer in your home. If someone is injured in your home, for example, they could file a lawsuit against you for their injuries. It is crucial to keep your home safe for your family and all visitors in case of an accident as well as make sure young children are always monitored, especially around pools and trampolines.
Florida homeowners have a lot to consider when it comes to keeping their homes safe, but thankfully there are steps you can take to protect your home and everything in it.