Looking for a local insurance company? Contact Most Insurance for a Tampa Home Insurance Quote.

Check out few home insurance FAQs here:

1. Does Homeowners Insurance cover sinkholes?
2. Does Homeowners Insurance cover foundation settling?

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The post HURRICANE & STORM – Essentials appeared first on Most Insurance.

Here is the deal. The roof is what really holds the whole house together. So how it connects to the walls matters greatly. Insurance companies give a lot of credits if you have a wind mitigation form and an inspection done. They will also give you a lot of credits if you have clips and wraps over just having toe nails.

That’s how the roof is literally attached to your walls. Also, if you have bolts that are securing your roof all the way down to the foundation, that is going to be the best support because when the wind blows (we get hurricanes here in Florida) those bolts are going to help hold the roof on.

As long as the roof is held on, then your house is going to be held together. Also, insurance companies don’t like to see patches in your roof, they don’t like to see different colors, or your shingles starting to peel up because all those things are signs of lack of structural integrity.

I was down in Port Charlotte right after a couple of hurricanes hit a couple years back and I could tell the difference between a home that had clips over a home that had just toe nails. I could see the new building codes that had been established because those homes were left standing and their roofs were intact.. Other houses were absolutely destroyed because they did not have the newer code, wraps, clips, or bolts that help hold their house together.

So, if you are having to get your roof redone or building a new home, really consider investing and getting those add ons done: clips or wraps. It’s going to go a long way to help reduce your homeowners insurance cost.

Have a good one out there and be prepared for when that wind blows!

Here are couple of more FAQs related to home insurance as a whole:

1. Does Homeowners Insurance cover sinkholes?

2. Does Homeowners Insurance cover foundation settling?

The post Why Your Roof is So Important to Insurance Companies? appeared first on Most Insurance.

As of 11:30 am Tornado Watch 283 is in effect until 10:00pm in the following counties. Alachua Baker Bradford Brevard Broward Charlotte Citrus Clay Collier Columbia Desoto Duval Flagler Gilchrist Glades Hardee Hendry Hernando Highlands Hillsborough Indian River Lake Lee levy Manatee Marion Martin Miami-dade Nassau Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Sarasota Seminole St. Johns St. Lucie Sumter Union Volusia.

Most Insurance Agency has activated our Disaster Preparedness Center which is where we try to help manage Disasters.

It can be very dangerous to drive through standing water, not only can you do major damage to your vehicle including flooding your engine, you can also be swept away.  It only takes about 2 feet of flowing water to float a vehicle.

Currently Tropical Storm Andrea has brought about 3 inches of rainfall, with it expecting to continue.

Parts Bayshore Blvd in Tampa have been closed, and many other low areas can have some pretty major flooding.

If you have a claim or question of what you should do please contact the Most Insurance Agency, and we look forward to helping you.  813-347-5555, our Claims Advocates are standing by to assist our clients with any claims.

Eric Most

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The Colorado State University team who makes the Hurricane Predictions are predicting an above-average Atlantic basin hurricane season with 18 named storms and about a 72% chance one will make landfall somewhere along the entire Eastern seaboard.

Four of those are expected to be major hurricanes, by major they mean with winds greater than 111 MPH.  That is faster than the best baseball pitchers can pitch.

It would seem that there is not an El Nino event this year, which I have to be honest I never really understand, maybe someone can help explain that one.

The Colorado State University team is predicting a 48 % chance that a major hurricane will make landfall in Florida.

The hurricane season begins June 1, and runs all the way till November 30th.  You will remember that Super Storm Sandy started off as a major hurricane and made landfall on October 22, 2012. While very late season storms are not as common, they do seem to be very catastrophic. In-fact 90% of all Atlantic hurricane activity takes place during the months of August, September, and October, with the most active dates landing between August 25th-September 25th. So you may be asking how accurate are these predictions, well in one report I read and I quote…

“Meteorologists are known to be absolutely brilliant at after-the-fact explanation of weather phenomena… but please don’t press us too hard on future events!!”

3 tips to help make sure you are prepared on the insurance side of things in case these predictions pan out:

1. Make sure you are adequately insured with both hazard insurance, and Flood insurance.
2. Deal with an independent insurance agency who specializes in helping their clients with insurance claims.  At Most Insurance we have created a one of a kind Claims Advocate position to help hold the hands of our clients throughout the claims process.
3. Do a full innovatory of your home. Know Your Stuff is a great free app for helping keep track of all your stuff. This is very helpful if there was a claim. This app is available on both Iphone’s and Android devices.  You can keep track of all your belongings, including keeping our information on hand.

Have questions please give our office a call 813-347-5555, or fill out a contact request and we will be right in touch with you.

Grace and Peace

Eric Most

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