Florida Loss Public Adjusters, Inc. - State License# E109802 |

(954) 430-7333

Renters insurance is almost always typical of events or situations. Usually, it covers a range of damages like water, hurricane, etc. It will also cover harm to personal property, legal and medical expenses. Essentially, the process is cause-dependent. Although the common elements are wind, fire, water, or lightning, floods are typically not covered. Therefore, any homeowner or tenant seeking insurance coverage against flood should opt for a contents-only insurance policy. 





Whether your insurance company covers you or not depends on the damage. But the cause is equally as important. Keep in mind that cause is known as Peril. Hence, hurricanes are known as damage-causing elements. Ultimately, any peril surrounding hurricanes are covered by renters insurance. Examples of hurricane perils that renters insurance cover include wind and hail, non-flood water defects, fire, and lightning. 

If a hurricane hits your home and personal belongings takes a fall, your renters insurance policy should cover it. This takes off additional living expenses that comes with unforeseen events. While offering replacement cost coverage and repairs. The sum your insurer pays depends on whether you have a replacement cost or actual cash value policy. Tenants are not responsible for structure damage, a landlord insurance policy should cover it. 

Like homeowners insurance, renters insurance may not cover hurricane flood damage. Floods may be a result of storm surge or spray from a water body. If an apartment is uninhabitable after a hurricane season, individuals may receive additional living expenses for personal property coverage. If the event renders the apartment inhabitable, your renters insurance policy covers it. 

Sometimes, hurricanes prompt evacuations. Therefore, this varies by cause and the event. To be sure, make sure the information you have understand your coverage. 


The general answer is no. Certain insurance companies could include prohibited-use in their coverage hence paying for additional expenses. If the US declares a state of emergency following a hurricane, the Federal Emergency Management Agency (FEMA) makes funds available for personal liability, property damage, wind damage, and other hurricane damages through loans. People with existing renters insurance should contact their insurance company or insurance agent before proceeding. Given this, FEMA may pay additional money on top of what the renters insurance provider will pay. Other beneficial programs include the National flood insurance program etc. 

  When the undesired happens, having the right people on your side is the most important thing. Therefore, understanding what your insurance covers will help you get back on your feet as though nothing happened. 
(954) 430-7333