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Brevard Florida

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Hurricane Links
Weather Websites  - Governmental, commercial, local, rss, radio, newspapers, general
Disaster Resources and other Agencies
Some great links on hurricane info
Brevard Emergency Management
Melbourne, FL Weather Service Office
National Hurricane Center NOAA
Pre-Season - what to do months before the actual season arrives.
Hurricane Shutter Guide
Insurance Check-up
6 Questions to ask about your Insurance
Season Begins
To Do's as the season starts
Develop the Family Plan
Have a Pet Plan - don't forget fido and fluffy.
Approaching Storm
Overview of preparations
Supplies List
Food List
Don't rely on finding a hotel room when the storm comes   tips
Watch and Track
Interactive Tracking Map
Printable Tracking Chart
Personal Hurricane Software
Media coverage  - Websites to lots of weather coverage and hurricane information
Satellite Overview of the tropics
Evacuate or not
Should I go or stay ?
Evacuation plans
What to take to a shelter
During the Storm
Tips while the storm is passing
After the Storm
What to do if you've exhausted your water?
What a mess, what now?
Assess the damage
Generators - wattage guide | using a generator properly
Emergency Hotlines
Anatomy of a Hurricane
Intensities and Terms
How hurricanes create storm surge
Evolution of a hurricane
All you want to know about formation


Hurricane Guide


  1. How much property coverage do you have?
    A. Your house should be insured for at least 80 percent of its value, not including the land.  If you have other structures on your property, such as a detached garage or a screen enclosure, see if they are covered.  Some companies will not insure screen enclosures.

Personal Property:  A guideline is to have personal property insured for about half of your home's value, but you may need more if your furnishings are especially valuable.  Lower limits typically apply to jewelry, electronics, guns and business equipment unless you opt for extra coverage.

Loss of Use:  This is a standard policy feature that covers extra costs if you have to move out of your house while damages are repaired.

  1. Q. Is your coverage replacement cost or actual cash value?
    A. Replacement cost pays for a new roof if yours is blown away.  Actual cash value deducts depreciation based on the age of your roof,  For replacement coverage, your house generally must be insured for at least 80 percent of its value.  Some policies care capped at your policy limits, while others offer "extended" replacement, which will pay 20 to 15 percent above those limits if needed.  Even if you have replacement coverage on your house, your personal property may be insured for actual cash value.  If you don't have replacement coverage, ask your agent how much more it would cost.

  2. Q. Which catastrophes are covered?
    A. All policies cover losses from fire, lightning, explosions, riots, smoke, sinkholes, vandalism, theft, volcanoes, and aircraft or vehicles crashing into your house. Many cover additional perils such as damages from falling  objects, freezing and burst water pipes. Most policies cover wind damage, including hurricane damage, but if you live in certain costal areas, you may have to buy separate wind damage policy from Citizens Property Insurance Corp. to get coverage.  Policies typically exclude damages from flood, was, earthquakes and nuclear accidents. For flood coverage, you must buy a separate flood insurance policy.

  3. Q. What are your liability limits?
    A. How much would your policy pay if someone is injured on your property?  Do you need more to protect your assets from curt judgments in case you are sued for damages?  Check for lower limits and exclusions for animal bites and injuries related to certain equipment such as trampolines, diving boards, watercraft and off-road vehicles.

  4. Q. How big is your deductible?
    A. Most polices have a $500 or $1,000 deductible for claims other than those related to hurricanes.  When the National Hurricane Center declares a hurricane watch or warning in Florida, the deductible for windstorm claims increases to 2 percent of the insured value for most polices in affected areas.  You could reduce your premium by increasing your deductible for non-hurricane claims.

  5. Q. What does renters insurance cover?
    A. It generally covers contents and living expense if your apartment or house is no longer livable.  (Your lease might not require your landlord to find you alternate housing.)