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Preparing Your Property Insurance for Hurricane Season in Florida

Hurricane season can be daunting for Florida homeowners. Ensure your insurance policy is ready to protect you.




Review and Update Your Policy

  • Check Coverage Limits: Ensure your coverage is sufficient for potential damage.

  • Understand Exclusions: Know what is not covered by your policy.

  • Add Necessary Riders: Consider adding flood or windstorm coverage if not included.


Review your policy annually before hurricane season.



Common Gaps in Coverage

  • Flood damage often requires separate insurance.

  • Windstorm damage may have higher deductibles.

  • Certain personal property might not be fully covered.


Identify and fill any gaps in your coverage.



Steps to Take Before the Hurricane Season Begins


  1. Conduct a Home Inventory

  • Document all your belongings with photos and descriptions.

  • Store this inventory in a safe, accessible place.


2. Reinforce Your Home:

  • Install storm shutters or impact-resistant windows.

  • Reinforce your roof and doors.

3. Prepare an Emergency Kit:

  • Include essentials like water, food, medications, and important documents.




Be prepared with a well-stocked emergency kit.



Checklist of Essential Preparations

  • Review and update insurance policies.

  • Conduct a home inventory.

  • Reinforce your home against storm damage.

  • Prepare an emergency kit and evacuation plan.



Essential steps to prepare for hurricane season.



Proper preparation can significantly reduce the impact of hurricanes on your property. Ensure your insurance is up-to-date and your home is ready for the storm season.

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