Last year, Hurricanes Helene and Milton gave us a sobering reminder of how vulnerable we are here in Manatee County. While Palmetto was spared the worst of the storm surge, many of our neighbors across the region experienced flooding, power outages, and property damage that took weeks or even months to recover from.
As we head into the 2025 hurricane season, preparation is more than just a good idea—it’s a necessity.
At Anderson & Associates Insurance, we’ve lived and worked in this community for decades. We understand the risks, and we know how quickly things can change when a storm is headed our way. That’s why we’re sharing key takeaways from the 2025 Heritage Hurricane Guide—plus a few real-world reminders—to help you stay ahead of whatever this season may bring.
Know the Warning Signs
A quick refresher from the guide:
- Tropical Storm Watch = Winds of 39–73 mph possible within 48 hours
- Hurricane Watch = Winds of 74+ mph possible within 48 hours
- Tropical Storm Warning = Winds of 39–73 mph expected within 36 hours
- Hurricane Warning = Winds of 74+ mph expected within 36 hours
Once a warning is issued, time is limited. Decisions about evacuating or sheltering in place should be made early—and with a plan.
Prepare Your Property
Even a Category 1 storm can uproot trees, smash windows, and tear shingles from your roof.
Before the storm:
- Bring in all outdoor furniture, planters, and decorations.
- Trim tree limbs that hang close to your roof or power lines.
- Reinforce windows with shutters or plywood.
- Check your policy to ensure you have wind and flood coverage—and that you’re not underinsured.
Pro Tip: In the wake of the Hurricanes of 2024, we’ve seen that many homeowners assumed their standard insurance policy covered flood damage—it doesn’t. If you’re not sure, call us. We’ll review your policy for free.
Should You Evacuate?
If authorities issue a mandatory evacuation, take it seriously. Your safety comes first. Have a go-bag ready with:
- Important documents (insurance policies, IDs, prescriptions)
- Bottled water & non-perishables (14-day supply recommended)
- Pet supplies
- Flashlights, chargers, and a weather radio
Staying behind? Make sure you’re in a secure structure—not a mobile home or low-lying flood zone—and stock up accordingly.
After the Storm: What to Do Next
Once it’s safe, assess the damage carefully:
- Take photos and videos of everything—inside and out.
- Be cautious of downed power lines, gas leaks, or wildlife displaced by floodwaters.
- Don’t drink tap water until officials confirm it’s safe.
If your home is damaged, the claims process doesn’t have to be overwhelming. Our team at Anderson & Associates is here to help you navigate every step—from emergency remediation to finding a trustworthy contractor. We work with carriers like Heritage who are experienced in post-storm claims and understand Florida’s unique risks.
A Final Word from Your Local Insurance Team
Hurricane season isn’t just a time of year—it’s a part of life here in Southwest Florida. At Anderson & Associates Insurance, we’re committed to keeping our neighbors protected, prepared, and empowered.
If you have questions about your policy—or want a second opinion before the next storm rolls in—give us a call. We’re right here in Palmetto and always ready to help.
Let’s face storm season with confidence—together.
