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Does global warming affect homeowners insurance rates in Florida?

We have heard a lot about Global Warming in recent years, and how many scientists and meteorologists think it affects the weather and weather patterns.  When extreme weather events occur, it is only natural to question the role Global Warming plays.  Due to its proximity to the ocean, Florida has always been a hotspot for extreme weather activity, but whether or not that pattern or the severity of the storms will increase is not exactly known yet.

Some of the best homeowners insurance Florida agents wonder the same thing, and they work hard to stay apprised of news and research regarding Global Warming, climate change, and weather patterns.  But this doesn’t change the fact that, as a peninsula in a warm climate, Florida has always been affected by severe weather and always will be.  

It is better to be prepared

The best homeowners insurance Florida has to offer covers fire, theft, vandalism, wind, and even water and flood damages.  Most homeowner’s policies do not cover water damage by default, so be sure to ask your agent if yours does.  Any additional fees associated with better coverage will pay for themselves, should tragedy strike.

Warmer air holds more moisture, and Global Warming affects the sea-surface temperature, or SST, brining about changes in the atmosphere, weather, and weather patterns.  Florida’s panhandle shape and proximity to the Equator also affects the SST, and all of the other factors comprising its weather.  While data on Global Warming’s effects is still being gathered, there is good evidence to suggest that it could affect Florida’s weather. 

While this effect could take years to be noticed, the best homeowners insurance Florida residents can get already covers the damages associated with extreme weather events and conditions, regardless of what causes them.  And it is not just the storms you need to worry about: Global Warming’s effect on the climate means warmer conditions, and that means more moisture.  Those conditions are perfect for mold, mildew, insects, and water damage to wood and wallpaper.

With the right homeowner’s policy, you do not need to worry about these things!  After you speak with your agent and determine which insurance plan best fits your needs, you can rest assured that no matter what happens, you are covered.

You do not have to be a scientist to know that a solid homeowner’s insurance policy is necessary, especially in Florida.