A house is so much more than wood and stone, it is a foundation for a future. It is the walls that protect a family. It is something that we can’t really put a price on, even though investors, real estate agents, and inspectors can. Which works out because when it comes time to file an insurance claim, ‘priceless’ isn’t an amount they cover. We don’t like to think that our home might be damaged by some uncontrollable calamity such as a hurricane or flood, but living in Florida it is always a possibility.

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After the recent Hurricane Harvey in Texas, we are reminded that a hurricane is a very real threat that we must be prepared for. It is never fully known what to expect when a hurricane strikes. It could cause little to no damage to your home or it could leave it in shambles. Regardless of the results, you need to be prepared for it. There are ways to try and reduce the possible damage such as boarding up windows or installing hurricane shutters on your home. While they are great for reducing the damage done to your home, they won’t guarantee that it will stop your home from being damaged. Some categories of Hurricane, such as Category 4 and above, will almost always cause considerable damage to structures.

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You have to be ready for anything. Sometimes this means taking steps to stop something from happening, and sometimes it means being prepared for the aftermath. Insurance is a great way to be prepared for the unexpected, although we don’t always know what insurance has us prepared for. For instance, did you know that flood damage is typically not covered in most of your homeowner’s insurance plans? While it might cover some form of rain damage, it won’t cover damage created by rising waters. Being in Florida and so close to the ocean, along with plenty of inner waterways, being prepared for flood damage is crucial.

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Whether you’re looking to insure your home, boat, car or motorcycle, it’s difficult to find an insurance company you can trust. You want to find a team that will have your best interests at heart and will provide you with the coverage you truly need. Whether you’re looking for insurance in Daytona Beach, DeLand, Palm Coast, New Smyrna Beach or Ormond Beach, O’Quinn Insurance Services is the area’s go-to provider.

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Have you ever been involved in a crisis situation where you’ve had to leave your home quickly? If so, we’ll be that the first thing you rushed to grab were your family photos and important documents. Hopefully, you were able to collect all of your prized possessions and if you did, you’re lucky. Many people have had to watch their family’s history go up in flames or succumb to water damage. To keep this from happening to you, you’ll want to ensure the safety of family photos and documents by following these simple tips.

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Living in Florida, the water is one of our greatest treasures. Beaches, lakes, rivers; surfing, boating or fishing. Our lives are intertwined with water and water activities. As much as we love water, it can easily turn from a source of joy to a source of destruction. Whether it be a hurricane, rising rivers or excessive rain, a flood can cause severe damage to your home and belongings. We can’t overstate the importance of having flood insurance in Florida.

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