Do you have vacation property in a coastal town? Are you a snowbird who splits time between Florida and up north? Do you know someone who has a beach home?
If you answered yes to any of the above questions, then it’s important to prepare for hurricane season properly!
Hurricane season peaks between mid-August through October, and it is no time to gamble with your property or your p
eace of mind. With storms growing stronger and more unpredictable in recent years, proper preparation is essential.
This guide will help you prepare your home and review your insurance coverage before the next big storm hits.
🌀 When Is Hurricane Season?
In the U.S., Atlantic hurricane season runs from June 1 through November 30, with peak activity typically from August through October. That means now is the time to double-check your storm readiness, not when the forecast is already blaring.
Step 1: Review Your Homeowners Insurance Coverage
Many homeowners assume their current policy will cover everything after a hurricane but unfortunately, that’s not always the case.
Here’s what to look for:
Wind & Storm Damage
- Most standard homeowners insurance does cover wind damage (broken windows, roof damage, etc.)
- In coastal states you may have a separate hurricane deductible
Flood Damage
- Flooding caused by storm surge or heavy rain is NOT covered by standard homeowners insurance
- You’ll need a separate flood insurance policy, available through the National Flood Insurance Program (NFIP) or a private insurer
Loss of Use
- This covers temporary housing, meals, and other expenses if your home becomes uninhabitable after a storm
- Check your coverage limits, it can make a big difference during long recovery periods.
Pro Tip: If you’ve made any improvements or additions to your home, let your agent know. You might need to adjust your coverage to reflect the new value.
Step 2: Add Flood Insurance 
Even if you’re not in a high risk zone, flood insurance is incredibly important. One inch of water can cause over $25,000 in damage, and 20% of flood claims come from homes in low or moderate risk areas.
Flood insurance:
- Typically has a 30-day waiting period, so you can’t wait until a storm is on the radar to buy it
- Covers both the structure of your home and its contents, depending on the policy
Even if you’re on higher ground, flash flooding from blocked drains or overwhelmed sewers can still put your home at risk.
Step 3: Strengthen Your Home Against Storm Damage
Preparing your home now can save thousands later, and may even earn you an insurance discount.
Hurricane Prep Checklist:
- Secure or store outdoor furniture, grills, and décor
- Install storm shutters or pre-cut plywood for windows
- Trim weak tree branches and limbs away from your home
- Seal gaps around doors, windows, and the roof
- Inspect and clean gutters and downspouts
- Reinforce garage doors (a common failure point in hurricanes)
- Ensure sump pumps and generators are working
Step 4: Protect Your Family with an Emergency Plan
Don’t forget the human side of hurricane prep.
- Stock emergency supplies: water, food, medications, flashlights, batteries
- Keep important documents (including insurance policies) in a waterproof container or saved digitally
- Know your evacuation route and local shelter locations
- Make a pet evacuation plan, too
Step 5: Schedule an Insurance Review—Before the Storms Start
One of the most important things you can do this hurricane season? Talk to your insurance agent. We’ll help you:
- Confirm your current coverage
- Clarify deductibles and policy limits
- Add flood or windstorm coverage if needed
- Identify any gaps in your protection
Don’t Wait for the Forecast, Get Ready Today
By the time a storm is on the radar, it’s already too late to make changes to your insurance. Preparing now could mean the difference between a quick recovery and financial stress. Contact us today for an insurance review!
