Florida Insurance Commissioner Kevin McCarty has recommended Floridians begin preparing now for the 2014 hurricane season, and one of the recommendations is that residents purchase flood insurance for enhanced protection of their homes.

A standard homeowners or business insurance policy does not cover damage from a flood, requiring the additional purchase of flood insurance to fully protect a property.

McCarty says a typical flood insurance policy takes 30 days to become effective, so Floridians should consider making a purchase by May 1st, so they have coverage in place for the June 1st start of hurricane season.

Flood insurance is federally administered through the National Flood Insurance Program, with Florida making up the largest concentration of policy holders in the system.

Residents can purchase up to $250,000 worth of insurance for property damage and $100,000 for personal contents.

Some private carriers offer additional insurance.

Businesses are eligible for additional amounts.