With the  impending landfall of Hurricane Isaias (ee-sah-EE-ahs) we wanted to make sure you have the information you need regarding hurricanes and your homeowners policy.

We will break it down, but first, let me introduce myself. My name is Kevin Klipp, and I am the agency owner of Klipp Insurance. We are a local Jacksonville Florida Insurance agency that provides tailored financial services, based on your needs. We offer insurance and financial solutions for Auto, Home, Personal and Commercial needs. To learn more, request a quote or get in contact with us, please go to www.klippinsurance.com, or call us at 904-997-1020.

• First, and most important, your number priority is the safety of yourself and your family. If you are in an evacuation zone, or have reason to believe the storm presents a danger to you, please evacuate to safety. This applies to all storms.

• It is important to remember that hurricanes present a number of dangers in their path, even if you are not directly hit. High winds are the most well-known, but storms can also bring storm surges, heavy flooding, tornadoes, lightning and utility failures. Understand that often times utility restoration is going to be directed to the hardest hit areas, so even if you are not directly impacted, you can be without power for an extended period of time.

• Deductibles

  • Your policy likely has an All Other Perils (AOP) Deductible and a Hurricane Deductible

    • Common AOP Deductibles $500, $1000, $2000

    • Common Hurricane Deductibles $500, $1000, 1% of Coverage A, 2% of Coverage A

• Some of the coverages you will want to make sure are on your policy if a hurricane hits

  • Flood

    • By endorsement or separate policy

  • Additional Structures

  • Personal Property (Replacement Cost)

  • Loss of Use

  • Brush Removal

  • Spoilage

  • Loss Assessment

• Important things to consider

  • Co-Insurance Provision

  • FEMA waiting period for flood issuance

  • Make sure contact information is up to date

  • Call us!

• Your Responsibilities

  • BE SAFE

  • Notification of your claim

  • Reduce further damage

  • Stay in contact with claims team

  • Help avoid fraud

  • Call us!

• How To Prepare

  • Keep track of the storm forecasts and evacuation orders

  • Download or print a copy of your insurance

  • Have our contact information available

  • Protect your home

    • Store loose items

    • Check your generator and supplies