Hurricane Season Preparedness

Hurricane season can bring devastating storms. Proper preparation and understanding your insurance coverage are critical. Here’s how to stay ahead of the storm.

Understand Windstorm vs Hurricane Coverage

Many policies separate wind damage from hurricanes. Check your windstorm deductible and hurricane clause.

Pre-Season Checklist

• Trim trees and secure outdoor furniture.
• Review your deductible on hurricane claims.
• Stock emergency kit (water, food, first-aid).

Document Your Property

Take photos/videos of your home and valuables for smoother claims:

• Inside rooms
• Roof and exterior
• High-value items

After the Storm

• Ensure safety: watch for downed power lines.
• Notify insurer within 72 hours.
• Temporary repairs: tarps, boarded windows.
• Keep receipts for covered ALE (additional living expenses).

Hurricane Myths

Myth: “Flood is covered under homeowners.” Reality: Flood requires separate NFIP policy.

Questions?