As hurricane season approaches, Floridians face the annual task of preparing for potentially severe weather. This preparation isn’t just about stocking up on supplies; it’s crucial to ensure your home and finances are protected. Homeowners insurance plays a pivotal role in this preparation. Here are some essential tips to help you navigate your homeowners insurance policies as you gear up for the hurricane season.

Understand Your Hurricane Deductibles

Homeowners insurance in Florida often includes a specific deductible for hurricane-related damage, which is different from the deductible for other types of claims. This hurricane deductible is usually a percentage of your home’s insured value rather than a fixed dollar amount. For instance, if your home is insured for $300,000 and your hurricane deductible is 2%, you would be responsible for the first $6,000 of a claim.

Before the hurricane season starts, review your policy to understand the specifics of your hurricane deductible. Knowing this information can help you prepare financially for the possibility of needing to pay out of pocket after a storm.

Disaster-Proof Your Home

Taking steps to protect your home can not only provide peace of mind but also potentially lower your insurance premiums. Here are a few ways to disaster-proof your home:

Install Impact-Resistant Windows and Doors: These can withstand high winds and flying debris, reducing the risk of significant damage.

Secure the Roof: Consider using hurricane straps or clips that help hold your roof to the walls, particularly important in older homes.

Clear Yard Debris: Remove loose items and trim trees around your property to minimize the risk of these becoming projectiles during a storm.

Many insurance companies offer discounts for homes with certain disaster-proof features, Elite Insurance Solutions is happy to see if you qualify.

Consider Flood Insurance

It’s a common misconception that homeowners insurance covers flood damage. In reality, flood damage is typically not covered under standard homeowners policies. This oversight can be particularly costly in Florida, where flat terrain and proximity to water increase the risk of flooding.

To fully protect your home from all hurricane-related damage, consider purchasing a separate flood insurance policy. The National Flood Insurance Program (NFIP) provides options, but there are also private flood insurance providers that might offer better rates or coverage limits.

Review and Update Your Insurance Policy

Take the time to review your policy each year before hurricane season. Ensure your coverage limits reflect the current cost to repair or rebuild your home and replace its contents. This is crucial as construction costs can increase over time, and you might find your current coverage insufficient.

Also, consider additional living expenses coverage, which helps pay for temporary housing if you are displaced from your home due to covered damage. Verify that the limits are adequate based on rental costs in your area.

Document Your Belongings and Prepare Financially

Keep an up-to-date home inventory. This list should include descriptions and photos of your belongings, which can be invaluable in expediting the claims process after a storm. Store this information in a secure, easily accessible online location.

Additionally, establish an emergency fund that can cover your hurricane deductible and other unexpected expenses. Having this financial buffer can make a significant difference in your ability to recover from a hurricane.

Preparing for hurricane season in Florida involves more than just physical preparations; it requires careful review and understanding of your homeowners insurance. By ensuring you have the right coverages, taking steps to protect your property, and preparing financially, you can significantly reduce the stress and impact of hurricane season. Stay safe and protected by being proactive about your insurance needs.

Elite Insurance Solutions is happy to sit down and review your policy. Not sure what your current insurance covers? Please give us a call at 813-475-5099 or contact us at

Elite Insurance Solutions serves Tampa Bay, Clearwater, St. Petersburg, Land O’ Lakes, and the nearby regions. Our office caters to businesses across Florida, and we look forward to helping you protect your biggest assets this hurricane season.