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According to a recent article, some homeowners in Tampa Bay have been sent letters from their insurance companies stating that they must repair their roof or risk losing coverage.

February is already here, and only a few months remain before the official start of hurricane season. The home, as well as the homeowners’ insurance policy, should be examined soon to ensure everything is working and correct.

In many households, smart home technology has become popular, making the home possibly safer, possible privacy issues aside. In principle, alarms and smoke detectors are more integrated than ever, avoiding a situation from being worse or contributing to disaster thanks to their robust technology.

As the year begins to wind down, one of the 2021 resolutions people may have is becoming homeowners. Most people will likely need to apply for a mortgage, which means a homeowners insurance policy will be required by the lender.

Home insurance inspections vary from a regular home inspection since the latter is usually so that the homeowner knows the home is in sound condition. For example, homeowners would want to be sure that the house has no major structural flaws, such as defective wiring. A home insurance inspection, conversely, allows the insurance company to gauge the home's cost of repairs. That is also how the insurance company assesses risk to measure the probability that the homeowner may need to file a claim for damages and find out the amount of the premium.

Most homeowners are aware of the insurance deductible but there may also be a hurricane deductible. These hurricane deductibles have some deviations from those of a conventional home insurance policy. They are meant to address storm destruction, as the name suggests, and they correspond to a percentage of a home's worth. Homeowners may wish to look into their policy to see if such a deductible exists.

Hazard insurance and homeowners insurance are may seem confusingly similar. Notwithstanding its name, hazard insurance is not an entirely different policy, it is an integral part of the policy of a standard homeowners’. This is the part that will take care to rebuild a home's foundation and contents should there be a natural disaster.

Hurricane Sally is one of the many storms that have contributed to an especially active 2020 hurricane season. With the emergence of more storms, it's crucial to be prepared in regards to home insurance and that means being aware of common pitfalls that may lead to expensive repairs.

Whether the roof is new or if it's one that has endured many weather conditions, there are ways to protect it without spending a ton of money. One way is to take a close look at the gutters and clean them out about twice a year at least. Clearing the gutters of leaves reduces odds of clogging which means fewer chances of wall or siding damage.

Hurricane season has arrived and weather analysts believe it may be an especially active one. In case a big storm wants to pay a visit to South Florida, homeowners will likely want to start planning. The following tips may seem familiar but worth discussing, particularly for first-time homeowners who have yet to experience a hurricane's destructive force.