Hurricane Season 2025: How to Prepare Your Home and Insurance
Hurricane season in Florida runs from June 1 through November 30, with peak activity typically occurring between August and October. Whether you are a lifelong Floridian or new to the Space Coast, proper preparation can mean the difference between a minor inconvenience and a major disaster.
Review Your Insurance Before the Storm
The time to review your insurance coverage is before hurricane season begins. Once a named storm enters the Gulf of Mexico or Atlantic, most insurance companies will not write new policies or make changes to existing ones.
Key Coverage to Verify
- Windstorm Coverage: Confirm you have adequate coverage and understand your deductible
- Flood Insurance: Standard homeowners policies do not cover flood damage
- Replacement Cost vs. Actual Cash Value: Know how your claim will be calculated
- Code Upgrade Coverage: Important if your home needs to meet current building codes after repairs
Protect Your Property
Taking steps to protect your home can prevent damage and may even lower your insurance premium:
- Install hurricane shutters or impact-resistant windows
- Reinforce your garage door
- Trim trees and remove dead branches
- Secure outdoor furniture and decorations
- Check your roof for loose or damaged shingles
Document Your Belongings
Create a home inventory before hurricane season. Walk through each room and video record your possessions. Store this documentation in the cloud or a safe location outside your home. This will make filing a claim much easier if the worst happens.
Understand Your Deductibles
Florida hurricane deductibles work differently than standard deductibles. Most policies have a separate hurricane deductible, typically 2% to 5% of your dwelling coverage. On a $300,000 home, a 2% deductible means you pay the first $6,000 of any hurricane claim.
Have questions about your hurricane coverage? Contact Anchor & Atlas Insurance for a free policy review.
