Johnathan Godfrey and his family just purchased a new home in June. He says in Florida, having homeowner's insurance is a no-brainer and can't understand why people would take the risk of not having it.
Jonathan says, "I guess the odds are that people probably think nothing will happen to their home. They always think it's not going to happen to them."
Last hurricane season, Florida residents learned things will happen, and as weather experts track a powerful Hurricane Dennis, some residents are making a last minute dash to the insurance office.
Bobby Bacon of the Earl Bacon Insurance Agency says, "Once you get storm warnings in the state of Florida, most of the insurance companies suspend their bonding authorities, so at this point if people haven't made their adjustments to the coverage they wouldn't be able to until Dennis passes through the first part of next week."
As Dennis approaches, tips from the Florida Department of Financial Services include taking photos or video of your property before and after the storm, immediately reporting any property damage to your insurance agent, and staying clear of those fly by night repair businesses.
Bobby adds, "Make sure you're getting someone licensed and approved with the state of Florida. Also get a certificate of insurance to show that the contractor has liability insurance, and preferably worker's compensation as well."
Hopefully, these tips will help you in riding out the storm.
Chief Financial Officer Tom Gallagher urges residents to call 1-800-22-STORM for any insurance questions or for assistance with filling claims, should a storm hit.