Hurricane season is here, and for Florida residents, preparation is essential. Each year, from June 1 through November 30, tropical storms and hurricanes pose a serious threat to homes, families, and communities. At E&L Insurance, we want to help you take the right steps to stay safe and minimize damage. This blog will walk you through key hurricane season preparedness tips and how to make sure your insurance coverage is ready when you need it most.
Why Hurricane Season Preparedness Matters
Florida is one of the most hurricane-prone states in the country. Powerful winds, storm surge, and flooding can cause widespread damage in a matter of hours. Taking the time to plan ahead could be the difference between quick recovery and long-term financial hardship. Many people only think about their coverage after a storm hits—but that’s often too late.
Review Your Florida Homeowners Insurance
One of the most important steps in hurricane season preparedness is reviewing your Florida homeowners insurance policy. Make sure your policy includes:
- Windstorm coverage: Not all policies include wind damage. Double-check your declarations page or speak with your agent.
- Flood insurance: Most homeowners policies do not include flood damage. Since storm surge and heavy rainfall are common during hurricanes, consider adding a separate flood policy.
- Up-to-date replacement cost: Ensure your policy reflects the current value of your home and possessions, especially with rising construction costs.
Need help reviewing your policy? Our team at E&L Insurance is here to walk you through it and make sure you’re fully protected.
Build a Hurricane Kit
Every Florida family should have a basic emergency supply kit ready before a storm is on the radar. Include:
- Bottled water (one gallon per person per day)
- Non-perishable food
- Flashlights and extra batteries
- First aid kit and medications
- Portable phone chargers
- Copies of important documents and insurance information
Store your kit in a waterproof container in an easily accessible location.
Prepare Your Property
Taking steps to protect your home can reduce damage and insurance claims:
- Trim trees and shrubs
- Clear gutters and downspouts
- Reinforce garage doors
- Install storm shutters or board up windows
- Bring patio furniture and other outdoor items inside
If you live in a flood-prone area, consider sandbags or other flood barriers.
Know Your Evacuation Plan
Stay informed through local news and official weather updates. Know your evacuation zone and have a plan in place for where to go if you need to leave. Keep your gas tank at least half full during hurricane season, and plan for pets if you need to evacuate.
Final Thoughts
Hurricane season preparedness isn’t just about avoiding damage—it’s about peace of mind. The more you prepare, the better your chances of keeping your family safe and your property secure. At E&L Insurance, we’re proud to help Florida homeowners get the coverage they need before the storm hits.
Have questions about your policy or need to add flood insurance?
Contact E&L Insurance today for a free policy review.