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.
FLOOD (including the surge from a hurricane): NO
Wind or Hail OTHER than hurricane: 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).
Sinkhole: yes (actually, this is very good. Florida is one big sinkhole)
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!