08/20/2026
Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of the preparation process: reviewing your personal insurance coverages before a storm even hits.
Here are a few key areas we suggest reviewing this hurricane season:
🔵 Hurricane Deductibles - Some homeowners policies in some states may include a hurricane deductible, which is often a percentage of your home’s insured value. This deductible is separate from your standard homeowners deductible and is the amount of money you must pay toward hurricane-related damage before your insurance company starts paying. Know what triggers it and how much you’d owe.
🔵 Flood and Windstorm Coverage - Flood damage typically requires separate flood insurance, and damage from unnamed windstorms may also be excluded from some policies. Reviewing your coverage and filling any gaps before a storm hits can make a significant difference.
🔵 Filing Claims - Ahead of a hurricane, document the state of your home. Then, after the storm, document damage with photos and videos before you begin cleaning up or repairs. This can help fully showcase any potential damage done by a storm. Additionally, as you make repairs, keep receipts for what you spend.
As always, know that we are here to help if you have any questions about your coverage or if you would like to talk through layering on more coverage. Reach out today, and we can get started.
