IZC Insurance Agency

10/16/2026

Your house got soaked during a hurricane. Is it covered?

Maybe. It depends on how the water got in.

Wind damages the roof, rain gets in, your homeowners policy may cover it.

An existing leak or open window, different story.

Rising floodwater or storm surge, generally flood coverage, not homeowners.

Same storm. Same rain. Very different coverage.

Before the next hurricane, make sure you know what your policy says about wind, flood, water damage, and that hurricane deductible.

10/14/2026

SHARE your hurricane Isaias photos with us! We'd love to see any photos or videos of during or the aftermath of the storm.

Don't have photos? COMMENT down below what the hardest thing about cleaning up after the storm has been. Filing claims? Clearing debris? Not knowing what to do next? We want to hear from you!

Send a message to learn more

10/14/2026

If you rent, you might think, "The building is insured, so I'm covered."

Not quite.

Your landlord's insurance generally covers the building itself - things like the roof, walls, and permanent fixtures.

Your stuff is your responsibility.

Renters insurance may cover your belongings when hurricane winds cause damage, such as:
• Wind breaking a window and damaging your furniture
• A tree falling through the roof and destroying your electronics
• Rain entering through a storm-damaged opening
• A hurricane-related fire damaging your belongings

It may also provide loss-of-use coverage if a covered loss makes your rental unlivable. That can help with additional costs like a hotel, temporary rental, meals, or other necessary expenses, depending on your policy.

But there's an important exception:
• Flooding and storm surge are generally not covered by a standard renter's policy. Your landlord's flood insurance doesn't cover your personal belongings either. Separate flood coverage may be needed to protect your stuff from rising water.

Before hurricane season, take a few minutes to check your personal property limit, wind coverage, deductible, loss-of-use coverage, and whether you need separate flood insurance.

Because your landlord may insure the building...
But you still need to insure the life you're living inside it.

10/12/2026

Think your homeowners insurance covers "hurricane damage"?

It depends on what caused the damage.

Wind damage - a hurricane tears off shingles, damages siding, breaks windows, or sends a tree into your house. This may be covered by your homeowners or windstorm policy, depending on your coverage.

Flood damage - storm surge, rising water, overflowing waterways, and water that enters from the ground are generally not covered by standard homeowners insurance. Separate flood insurance is typically needed.

Wind-driven rain - this can get a little more complicated. If wind damages a covered part of your home and creates an opening that allows rain inside, the resulting damage may be covered. Rain entering through a pre-existing leak or an open window is a different story.

And even when damage is covered, don't forget about your hurricane or named-storm deductible. A 2% deductible on a home insured for $400,000 could mean $8,000 out of pocket before insurance pays toward a covered loss.

Your declarations page can tell you a lot: check for wind exclusions, hurricane or named-storm deductibles, flood coverage, and how your roof is covered.

One hurricane can cause wind damage AND flood damage - but that doesn't mean one policy covers both.

10/09/2026

The storm passed. You're ready to clean up. Wait.

Before you start moving debris or making repairs, take a few important steps:
• Document the damage. Take wide photos, close-ups, and video of your home, belongings, vehicles, fences, sheds, and anything else affected.
• Save your receipts. Keep records of temporary repairs, supplies, hotel stays, meals, contractor estimates, and other expenses that may be relevant to your claim.
• Contact your insurer. Get your claim number, adjuster information, and instructions for documenting and repairing the damage.
• Make temporary repairs when necessary. Cover a broken window or damaged roof to prevent further damage, but photograph it first and keep your receipts.
• Hold off on permanent repairs. When possible, let the insurer inspect the damage before making major repairs.
• Know what caused the damage. Wind and flood damage may fall under different policies. Storm surge and other flooding are generally not covered by a standard homeowners policy.

And most importantly: don't put yourself in danger for the sake of your property. Downed power lines, floodwater, gas leaks, and unstable structures can remain dangerous long after a storm has passed.

The cleanup can wait. Your safety and your documentation come first.

10/08/2026

IMPORTANT OFFICE UPDATE – WEATHER-RELATED CLOSURE

Due to the potential impact of Hurricane Isaias, IZC Insurance Agency's office will be closed on Friday, October 9, 2026, as we prioritize the safety of our employees and their families.

We are still here for you! Although our physical office will be closed, our team will be working remotely to answer calls, assist customers, and help report claims as quickly and efficiently as possible.

CLAIMS REPORTING INFORMATION

If you experience storm-related damage, please remember that claims can also be filed directly with your insurance carrier. Carrier contact information and claims reporting instructions can be found under the Claims tab on our website.

Please understand that some of our employees live in areas that may be directly impacted by the storm. As a result, response times may be slower than usual due to weather conditions, power outages, or communication disruptions.

We sincerely appreciate your patience and understanding as we work to balance the safety of our team with our commitment to serving our customers.

Your safety is our priority. Please stay safe, stay prepared, and know that IZC Insurance Agency is here when you need us.

— Your IZC Insurance Agency Team

Send a message to learn more

10/07/2026

The worst time to start preparing for a hurricane is when it's already headed your way.

Before hurricane season, take a few steps that can help protect your home and make a future claim easier:
• Check your roof for loose, damaged, or missing shingles
• Trim weak or overhanging branches and secure anything in your yard that could become flying debris
• Check windows, doors, and garage doors to make sure they're secure
• Document your home and belongings with photos or videos before a storm hits
• Review your insurance - especially your dwelling limit, wind coverage, hurricane/windstorm deductible, and flood coverage

Remember: standard homeowners insurance generally does not cover flooding or storm surge. Separate flood insurance may be needed.

Save your policy information somewhere you can access it even if the power or internet goes out.

And when a storm is approaching, don't assume you can make last-minute changes to your policy. Insurers may restrict new coverage or policy changes once a storm is imminent.

A little preparation now can make a big difference when the weather turns.

10/05/2026

Your employees show up every day to help your business succeed.

Workers' compensation helps protect them if the unexpected happens.

Ready for a second opinion? Call IZC Insurance Agency.

10/02/2026

Your home might have features that make it more resistant to wind damage - but if your insurance company doesn't have the documentation, you may not be getting credit for them.

A wind mitigation inspection looks at things like:
Roof age and construction
How the roof is attached to the walls
Impact-resistant windows or shutters
Reinforced exterior and garage doors
Other wind-resistant construction features
• Roof age and construction
• How the roof is attached to the walls
• Impact-resistant windows or shutters
• Reinforced exterior and garage doors
• Other wind-resistant construction features

Depending on your state, insurance company, and policy, qualifying features may help you receive wind mitigation credits.

A few things to know:
• A wind mitigation is not required for every home
• A newer roof doesn't automatically qualify for every available credit
• Your insurer may require a specific inspection form or documentation
• A wind mitigation inspection is different from a four-point inspection
• Credits can vary by carrier and may apply only to certain portions of your premium

If you've recently replaced your roof, added impact protection, or make other storm-resistant improvements, it's worth asking your insurance agent whether those upgrades could make a difference to your policy.

You made the upgrade. Make sure your insurance company knows about it.

09/30/2026

A hurricane doesn't create just one kind of damage - and your insurance may not cover every type the same way.

Wind damage may be covered by your homeowners or windstorm policy.

Rain entering though a covered opening may be covered depending on the circumstances and your policy.

Storm surge and rising water are generally considered flood damage and typically require separate flood insurance.

And then there's the deductible.

A 2% hurricane deductible on a home insured for $400,000 would mean a $8,000 deductible on a covered hurricane loss.

The important part? Don't wait until a storm is approaching to figure out what you have. Check your wind coverage, flood coverage, deductibles, roof coverage, and policy limits while you still have time to make changes.

One storm. Different types of damage. Different coverage.