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What to Do and Prepare Before Hurricane Season: A Florida Homeowner’s Guide

Living in Florida comes with sunshine, beaches—and the annual threat of hurricanes. Hurricane season officially runs from June 1 to November 30, and each year brings the potential for strong storms that can cause significant damage to homes and businesses.

Preparing before a hurricane strikes is not just smart—it’s essential. Whether you're a first-time homeowner or a lifelong Floridian, here’s a complete guide on how to get ready for hurricane season.

✅ 1. Review Your Homeowners Insurance Policy

Before hurricane season begins, take time to:

Review your policy limits
Make sure you’re covered for windstorm and flood damage
Understand your deductibles and exclusions
Ensure your coverage is up to date, especially if you’ve made home improvements

💡 Tip: Flood damage is not typically included in standard homeowners insurance. You may need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP).

🏚️ 2. Schedule a Pre-Storm Property Inspection

Identifying vulnerabilities in your home now can prevent bigger losses later. Have a professional inspect:

Roofing and shingles
Gutters and downspouts
Windows and doors
Foundation and drainage
Trees near your home

📸 Document the condition of your home with dated photos or videos—this can help tremendously if you need to file an insurance claim later.

🧰 3. Create a Hurricane Emergency Kit

Don’t wait until shelves are empty. Stock up early with essentials like:

Non-perishable food and bottled water (3–7 days' worth)
Flashlights and extra batteries
First aid kit and medications
Portable phone chargers or power banks
Important documents in waterproof containers
Cash (in case ATMs go offline)
Pet supplies if applicable

📋 4. Make a Family Emergency Plan

Every household should have a hurricane plan that covers:

Evacuation routes and shelter locations
Communication plans if you’re separated
Pet evacuation plans
Contact information for emergency services and insurance providers

💬 Discuss the plan with every family member and practice it at least once.

🪟 5. Secure Your Home

If a storm is approaching:

Install storm shutters or board up windows
Bring in outdoor furniture, grills, and decorations
Reinforce garage doors
Turn off propane tanks
Move vehicles to higher ground or into a garage

📝 6. Know How to File an Insurance Claim

Keep the following info ready and accessible:

Policy numbers and insurance contact details
Photos/videos of pre-storm conditions
Receipts for major home upgrades
Contact info for a Florida Public Adjuster, like Titan Asset Adjuster, in case you need expert help filing a claim

🧑‍💼 Why Work with a Public Adjuster After a Storm?

After the hurricane passes, dealing with insurance companies can feel like a second storm. A licensed Florida public adjuster:

Assesses the true extent of your damage
Handles paperwork and deadlines
Negotiates directly with your insurance company
Fights to get you the maximum payout you deserve

⏳ The Time to Prepare Is Now

Don’t wait until a hurricane warning is issued—by then, it may be too late to protect your home or your loved ones. Preparation saves lives, preserves property, and gives you peace of mind.