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The year 2005 was a record for hurricanes in the Atlantic and Gulf Coast regions, with meteorologists running out of alphabet letters used to name hurricanes and tropical storms headed towards the United States Atlantic and Gulf Coasts. Unfortunately several hurricanes, caused an enormous amount of damage in Florida and the surrounding Gulf Coast region. Because Florida is right in the middle of hurricane alley for nearly half the year, finding affordable Homeowners insurance coverage is nearly impossible for most homeowners and sustaining and repaying those Homeowners insurance policies is just as impossible for the insurance carriers. To help you resolve this vexing problem I advise you to contact Orlando Homeowners Insurance . For almost twenty years, many Florida homeowners were covered by state run insurance called the Residential Joint Underwriting Association. Not until recently have private homeowners insurance carriers begun to offer homeowners insurance policies in regions of Florida,, where hurricane damage is most apt to happen. Whether going through the state run Residential Joint Underwriting association or going through a private home insurance agency, there is no question that Homeowners insurance will be extremely expensive anywhere near the coast in Florida. The same home in Ohio may cost three times less to insure than it would on the coast of Florida, simply because of all the added coverage for hurricane season. Since most insurance policies only cover natural disasters that are likely to occur anywhere in the continental United States, more often than not hurricane coverage is not included in policies. For this reason, Florida homeowners must purchase additional hurricane insurance to ensure their home will be covered in case it is damaged by a hurricane. A law was recently passed in 2005 in Florida that requires plain language on insurance policies so that homeowners can easily understand the terms of their policy without being confused by the legal terminology. Prior to this, many Florida homeowners were left to fend for themselves or to apply for Federal or Florida aid because many did not realize that even hurricane insurance often does not include flood damage. To help solve this difficult dilemma and get a clear explanation regarding your insurance needs we recommend you contact your local Orlando homeowners insurance agent . If Florida homeowners reside in an area that could be considered a storm surge area, usually even up to 25 feet from the ocean, then they need to consider including flood insurance as a separate clause to their Homeowners insurance. Be sure to discuss with your insurance agent exactly what types of water damage are covered in the hurricane insurance policy and the flood policy to make sure you are covered from all eventualities when encountering a hurricane. Legislation is being proposed that will limit the amount of surcharges that Florida homeowners can be charged to help prevent price gouging. If legislation is passed, this will help level out private and public insurance rates for Floridians, making it easier to acquire insurance from year to year even though they live in an extremely high risk area. If recent Florida transplant and have moved to Florid between June and November, which is hurricane season, you may not be able to get hurricane insurance coverage for the first season, as most insurance companies will not issue hurricane insurance policies until subsequent to hurricane season. This is to prevent those who may just acquire the insurance temporarily and then discard it after hurricane season is over. Prior to completing the purchase of a home, add the current Homeowners policy into the contract on the home to ensure that you will have insurance coverage for the initial hurricane season. If this is not possible, you may be able to find insurance to cover a hurricane but it could be very costly. To learn more about a: Orlando Homeowners Insurance Visit us to learn more about how to the insurance coverage you desire: orlando homeowners insurance
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