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Hurricane Preparedness
Guide for Florida Residents
Preparing for hurricane season is an important part of living in Florida. Understanding your insurance coverage, strengthening your home, and planning ahead can make a meaningful difference when storms approach. This guide outlines practical steps to help Florida homeowners reduce risk and stay ready throughout the season.
1. Review Your Hurricane-Related Insurance Coverage
Before hurricane season begins, take time to review your homeowners insurance and confirm how your policy responds to wind and storm-related damage.
Key details to check:
- Whether your policy includes hurricane or windstorm coverage
- Your hurricane deductible (often a percentage of the dwelling limit)
- Whether your dwelling coverage is high enough to match current rebuilding costs
- Coverage limits for personal belongings
- Whether you have a separate flood insurance policy (most homeowners policies do not include flood protection)
If you’re unsure how to interpret your coverage or limits, our team can help you review your policy and understand what’s included.
2. Prepare Your Home Before a Storm
Taking steps to secure your property can help reduce potential damage and make post-storm recovery easier.
Hurricane preparation checklist:
- Trim trees and remove loose yard debris
- Install storm shutters or secure plywood over windows
- Reinforce or brace garage doors
- Bring outdoor furniture and loose items inside
- Test your generator and store fuel safely
- Document your home and belongings with photos or videos
3. Create an Emergency Plan
Having a clear plan ensures everyone knows what to do if conditions change quickly.
Consider including:
- A designated safe interior room or evacuation route
- Contact information for family, neighbors, and local emergency services
- A communication plan for situations where cell service is limited
- Pet care and transportation plans if evacuation becomes necessary
4. Build an Emergency Supply Kit
Plan to store enough supplies for at least 3–5 days without power or access to stores.
Recommended items:
- Bottled water and non-perishable food
- Flashlights, batteries, candles, and matches
- First aid supplies and prescription medications
- Cash, since ATMs or card systems may be unavailable
- Hygiene items and basic cleaning supplies
- Important documents stored in a waterproof container
- Pet food, leashes, carriers, and medication if needed
5. Steps to Take After a Storm
If your home experiences damage:
- Prioritize safety before inspecting any areas
- Photograph all damage before making repairs
- Contact your insurance carrier as soon as possible
- Keep receipts for temporary repairs, hotel stays, or other storm-related expenses
- Verify licensing and insurance status before hiring contractors or repair professionals
We’re Here to Help
Hurricanes are a reality for Florida homeowners, and understanding your coverage is an important part of preparedness. Our team in Tallahassee is available to answer questions, review policies, and help you feel confident going into the season.
Contact us if you’d like a coverage review or need guidance on any of the steps above.