Living in Florida means enjoying sunshine and coastal breezes nearly year-round—but it also means preparing for hurricane season each year. From June 1 to November 30, Florida residents face an increased risk of seasonal tropical storms and hurricanes that can cause widespread damage to homes, vehicles, and personal property. This year that may seem particularly overwhelming, as so many residents are still dealing with the aftermath of last year’s storms.
The good news is that with proactive planning and the right insurance strategy, you can protect your property and reduce your financial risk. Here’s how to prepare for Florida’s hurricane season from an insurance perspective.
Review and Update Your Insurance Policies
One of the most important steps you can take before hurricane season begins is to review your insurance coverage. Policies should be updated annually – or anytime your property or life circumstances change. Make sure you understand what’s covered and, just as importantly, what’s not covered.
Most standard homeowners insurance policies do not include flood insurance, which is a critical coverage in a hurricane-prone area like Florida. Many homeowners are surprised to learn that flooding from storm surge, heavy rainfall, or even overflowing waterways isn’t covered under a typical policy. If you haven’t already, consider purchasing a separate flood insurance policy. Keep in mind that most flood policies have a 30-day waiting period, so don’t wait until a storm is on the radar to buy coverage.
Check Your Deductibles—Especially for Hurricanes
Florida policies often have a hurricane deductible, which is different from the standard deductible you might pay for other claims. This deductible is usually calculated as a percentage of your home’s insured value, not a flat dollar amount. For example, if your home is insured for $300,000 and your hurricane deductible is 2%, you’ll be responsible for $6,000 before insurance kicks in. Knowing this number ahead of time allows you to plan financially and avoid surprises after a storm.
Seasonal Tasks: Secure Your Home and Property
While insurance provides financial protection, physical preparation can help prevent damage in the first place. Start by examining your home’s most vulnerable points—windows, doors, and the roof. Install storm shutters or impact-resistant windows if possible, and make sure your roof is up to code and free of loose shingles.
Trim trees, secure outdoor furniture, and clear gutters and drains to reduce the risk of wind or water damage. Keep documentation—photos, videos, and receipts—of your home’s condition and valuable belongings. If you need to file a claim after a storm, this documentation can speed up the process and help ensure a fair settlement.
Prepare Your Vehicles: Auto insurance is another key part of your hurricane preparedness plan. Ensure your vehicle is covered for comprehensive damage, which includes storm-related events like flooding and falling branches. Park your car in a garage or move it to higher ground if flooding is a concern. If you own recreational vehicles, boats, or motorcycles, check that those are insured appropriately as well. And don’t forget to keep copies of your insurance cards and policy numbers in a waterproof bag or digitally backed up.
Make a Seasonal Post-Storm Plan
In the aftermath of a storm, quick action is crucial. Know how to contact your insurance company and keep your agent’s contact information accessible. If your home is damaged, take photos immediately and document the loss before beginning cleanup. Save receipts for temporary repairs or hotel stays if you’re displaced, as these may be reimbursable under your policy’s “loss of use” coverage.
Hurricane Season is Almost Here
Florida’s hurricane season is an annual reminder of the power of nature and the importance of preparation. But you can face the season with greater confidence and peace of mind. If you’re unsure whether your current policies provide adequate protection, the team at Anderson and Associates Insurance Group is here to help — offering expert guidance tailored to Florida homeowners and renters. Don’t wait for the next seasonal storm — prepare now and protect what matters most.
