preperaing-for-hurricane season

Preparing for Hurricane Season: Insurance and Beyond

Hurricane season is a reality for Floridians, bringing the potential for severe weather and significant damage. Preparation is key to safeguarding your home, business, and loved ones. At The Insurance Hub, we’re dedicated to helping you understand the necessary steps to protect your property and ensure you’re adequately covered by your insurance policies. Here’s a comprehensive guide to preparing for hurricane season, covering both insurance and practical measures.

1. Review and Update Your Insurance Policies

Homeowners Insurance

Ensure your policy covers hurricane damage, including wind and water damage. Verify the coverage limits for your dwelling, personal property, and additional living expenses if you need temporary housing.

Flood Insurance

Standard homeowners insurance typically doesn’t cover flood damage. Consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.

Auto Insurance

Confirm your auto insurance policy covers damage from hurricanes. Comprehensive coverage usually protects against natural disasters.

Business Insurance

Review your commercial property insurance and business interruption insurance to ensure your business can recover from hurricane-related disruptions.

Document Your Property and Valuables

  • Conduct a home inventory by documenting your possessions with photos or videos. Include detailed descriptions and estimated values.
  • Store important documents like insurance policies, property deeds, and receipts in a secure, waterproof container or digitally in the cloud.

Reinforce Your Home

Roof and Windows

Install hurricane straps or clips to secure your roof, and consider impact-resistant windows or shutters


Reinforce garage doors and exterior doors to withstand high winds


Trim trees and shrubs to minimize the risk of branches breaking and causing damage.

Create an Emergency Kit

When preparing for hurricane season, it’s crucial to create an emergency kit that includes:

  • Supplies: Gather essential items such as water, non-perishable food, medications, first aid supplies, flashlights, batteries, and a portable phone charger.
  • Documents: Include copies of important documents, emergency contact information, and a list of medications and medical information.
  • Tools: Have basic tools on hand for emergency repairs, a battery-powered weather radio, and personal protective equipment.

Develop an Evacuation Plan

  • Routes: Identify multiple evacuation routes and familiarize yourself with local shelters.
  • Communication: Establish a communication plan with family members, including a designated meeting place if separated.
  • Pets: Make arrangements for pets, including carriers, food, and vaccination records.

Stay Informed

  • Weather Updates: Monitor local news and weather reports for updates on hurricane activity.
  • Alerts: Sign up for emergency alerts through local government websites or apps to receive real-time notifications.

Post-Hurricane Steps

  • Safety First: Wait for official announcements before returning home. Avoid downed power lines and flooded areas.
  • Damage Assessment: Document any damage to your property with photos and videos for insurance claims.
  • Claims Process: Contact your insurance agent at The Insurance Hub to start the claims process promptly. Provide all necessary documentation and follow up regularly.

Preparing for hurricane season is your best defense against the impact of hurricanes. By taking these proactive steps, you can protect your property, ensure your insurance coverage is sufficient, and keep your family safe. At The Insurance Hub, we’re here to assist you with all your insurance needs, offering personalized advice and support. Contact us today to review your policies and ensure you’re ready for hurricane season.