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Severe Weather Forecast: Protecting Your Car from Natural Disasters in Florida


Many people envy people living in Florida. The sand, surf and sun make Florida the ideal place to call home. However, all this comes with a steep price as a recent RealtyTrac study shows. The study ranked Florida second for natural disaster risks in the US.

The study considered five categories of natural disasters: hurricanes, earthquakes, wildfires, tornadoes, and flooding. While Florida is not prone to earthquakes, it is a high risk area in most of the other categories.

The area experiences warm weather for much of the year. It’s bordered on three sides by warm ocean water making the atmosphere in Florida heavy with moisture. Hurricanes in Florida come from just about any direction. Thunderstorms are also common in the area.

Florida’s worst natural disasters

Florida is considered a high-risk state for hurricanes, wild fires and flooding. There have been several highly destructive natural disasters in the area over the years including the Great Miami Hurricane in 1926, which affected Florida, the Bahamas, Mississippi, Alabama and Louisiana.

However, no disaster has been as devastating to the residents of Florida as Hurricane Andrew in August 1992. The hurricane caused damage worth $26.5 billion and resulted in 65 deaths in total. This made it the costliest hurricane ever experienced in U.S. history.

How to prepare for natural disasters

If you’re a resident of Florida, there is nothing you can do to prevent the occurrence of natural disasters in the area. You can however take steps to protect your property and especially your car.

  1. Get comprehensive coverage
    • If you want to ensure that your car is covered for damage or loss in a natural disaster, get comprehensive coverage. Many people believe that this is expensive since the average cost of auto insurance in Florida is $1,136, according to the latest figures from the Insurance Information Institute. According to CoverHound, you can score a great deal by comparing car insurance Florida quotes on their platform.
  2. Understand your policy
    • Be sure that you understand your policy and what is included in your coverage. Just because you’ve got comprehensive coverage doesn’t mean you’ll be compensated in case of a hurricane or flood. You need to read the terms of your policy carefully and clarify any points you don’t understand with the insurance provider. Make sure you understand what perils are covered and the conditions of the coverage beforehand to avoid conflict and disappointment if/when damages occur.
    • You may need to have additional coverage to include perils such as floods and hurricanes in your insurance cover. Be sure to check what the insurance policies cover line by line before changing insurance providers. What may appear as identical policies often are not.
  3. Reinforce your garage
    • Invest in a garage door that is strong and durable. A door made from a solid and strong material such as metal or wood will not break into pieces in the face of a hurricane or storm. Make sure the door comes with braces and that you reinforce the door tracks.
  4. Install flood vents
    • These will be crucial especially in your garage. Installing flood vents ensures that water has an easy path to escape through. This prevents or minimizes flooding in your garage and the rest of your home.

The simplest thing you can do is keep your insurance up to date. If your car is damaged, be sure to inform your insurance company as soon as possible. Provide photos as evidence of the damage. Florida can be a paradise to live in, but it’s also fertile ground for natural disasters. Keep the above steps in mind to protect your investment on wheels.


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