Well, as I write this, Hurricane Dean is churning out there and we’re all beginning to think about buying bottled water at the grocery store. I’m not really concerned about Dean; I’m more worried about Felix simply because he’s the storm in THE ELEVATOR that hits Tampa Bay. So if Felix comes our way . . . well, you know what they say about a prophet in her own town.

In the mean time, my insurance company, prodded by the state of Florida, has just sent me what I call the “Dummies Guide to Homeowners’ Insurance.” Actually, I’m delighted to have this piece of paper. It says exactly what we’re covered for . . . and what we’re not.

First of all, you need to know that we DO have hurricane coverage–with an $11,000 deductible. (sigh.) And here are some other things for which we’re covered (and NOT.)

Fire or Lightning–yes.
Hurricane: yes
FLOOD (including the surge from a hurricane): NO
Wind or Hail OTHER than hurricane: Yes
Explosion: yes
Riot: yes
Falling Aircraft: yes
Vehicles (I assume this means cars that crash into the house): yes
Smoke: yes (already used this one when the smoke from my candles ruined the carpets)
Falling objects: yes
ICE, SNOW, OR SLEET: YES. (If a blizzard hits Tampa bay, we’re all set).
Freezing: yes
Volcano: yes
Sinkhole: yes (actually, this is very good. Florida is one big sinkhole)
Mold: NO

So . . . this is the insurance I’m DELIGHTED to have. I just think it’s funny that we’re covered for VOLCANO and SNOW but not flood or mold. 🙂

So if a storm comes our way . . . I’ll be stocking up on TILEX and bleach!



  1. Linda G

    Would your insurance cover damage from underwater volcanos? Maybe there are some of those off the Florida coast!!

    After putting up with ash from
    Mt.St.Helens a couple of times when she first woke up, I wouldn’t mind volcano coverage. Everyone had to keep putting new air filters in their cars. I hate to think what ash would do to a freshly painted house.

    My MIL lives in LA and you can no longer buy earthquake insurance there.
    Dazer Linda G

  2. CrownLaidDown

    Ha! Ha! Praying for your safety. and no Felix…oh, no!

    Have a blessed weekend,

  3. Suzanne

    Praying you’ll stay safe!


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