As a Public Insurance Adjuster, I’ve seen firsthand the stress and financial hardship that hurricanes can cause—especially when homeowners aren’t fully prepared. With hurricane season approaching, now is the time to take proactive steps to protect your home, your family, and your financial well-being. Here are some essential tips every Florida homeowner should follow:
1. Review Your Insurance Policy Carefully
Before the storms roll in, make sure your homeowner’s insurance policy provides adequate coverage. Too many homeowners discover critical gaps only after filing a claim. Check for:
- Hurricane and windstorm coverage (these can be separate).
- Water damage exclusions and what qualifies as “flood” vs. “storm surge.”
- Roof coverage limitations and any high deductibles.
- Coverage for additional living expenses (ALE) if you’re forced to leave your home.
If you’re unsure what your policy covers—or overwhelmed by the fine print—now is the time to contact your agent. Better yet, speak to a public adjuster for a second opinion on whether your coverage is truly sufficient.
2. Document Your Property Thoroughly
Before any storm activity begins, take detailed photos and videos of your home—inside and out. Capture every room, major appliance, electronics, furniture, and any upgrades or custom features. Walk around your property and photograph the exterior, roof, windows, garage, fences, and landscaping. This visual record can be critical when filing a claim and helps prove the condition of your property before damage occurred.
Store these files in a secure cloud account or email them to yourself for easy access if you’re evacuated.
3. Make Basic Home Repairs Now
Insurance companies often deny or reduce claims due to “pre-existing damage” or “lack of maintenance.” If you know you have loose shingles, clogged gutters, or aging seals around windows and doors, get them fixed now. A few simple repairs can prevent thousands in storm damage—and strengthen your claim if a storm does hit.
4. Secure Important Documents
Place copies of your insurance policy, mortgage documents, identification, and medical records in a waterproof container. If you evacuate, take these with you. It’s also smart to keep digital copies in cloud storage.
5. Create a Post-Storm Plan
Know who to call if your home is damaged. Insurance companies will be overwhelmed after a major storm, and claim processing can be slow. Have the contact information of a licensed Public Insurance Adjuster saved so you can get immediate help navigating your claim and protecting your rights.
Final Thoughts
Hurricane season doesn’t have to be a guessing game. With a little preparation, you can significantly reduce the impact on your property and your peace of mind. If you’re unsure about your coverage or need help after a storm, I’m here to represent you—not the insurance company—and make sure you get the full and fair settlement you deserve.
Stay safe, stay prepared—and don’t wait until it’s too late.