Hurricane Season Preparedness: Protecting Your Home & Peace of Mind

Hurricane season is here, and for many areas, it's a time of heightened awareness and preparation. While we can't control the weather, we can control how well we protect our homes and families. Insurance plays a crucial role in that protection. Let's break down what you need to know to weather the storm with confidence.

Understanding Hurricane Risks

Hurricanes bring a combination of threats:

• High Winds: Capable of causing significant structural damage.

• Heavy Rain: Leading to flooding, especially in low-lying areas.

• Storm Surge: A dangerous rise in sea level that can inundate coastal regions.

• Debris: Flying objects can cause damage to homes and vehicles.

Homeowners Insurance & Hurricane Coverage

A standard homeowners insurance policy typically covers damage from wind, hail, and some types of water damage. Here's a breakdown:

• Dwelling Coverage: Protects the physical structure of your home (roof, walls, etc.) from wind and hail damage.

• Personal Property Coverage: Covers your belongings (furniture, electronics, etc.) if damaged by a covered event.

• Liability Coverage: Helps protect you if someone is injured on your property due to storm-related conditions.

• Additional Living Expenses (ALE): Covers temporary housing costs if your home is uninhabitable due to covered damage.

The Crucial Need for Flood Insurance

• Standard homeowners insurance does not cover flood damage.

• If you live in a flood zone (even a low-risk one), a separate flood insurance policy is essential.

• Flood insurance is typically provided by the National Flood Insurance Program (NFIP).

Auto Insurance & Hurricane Damage

• Comprehensive coverage under your auto insurance policy typically covers damage to your vehicle from flooding, wind, hail, or falling debris.

• Liability coverage does not cover damage to your own vehicle.

Tips for Hurricane Preparedness

1. Review Your Policies: Understand your coverage limits, deductibles, and what's covered.

2. Document Your Belongings: Take photos or videos of your home and possessions for easier claims processing.

3. Create a Home Inventory: This will help you remember everything you own and its value.

4. Make a Plan: Develop a family emergency plan, including evacuation routes and communication strategies.

5. Secure Your Property: Trim trees, secure loose objects, and consider installing storm shutters.

6. Stay Informed: Monitor weather reports and heed evacuation warnings.

We're Here to Help You Stay Protected

Hurricane season can be stressful, but with the right insurance and preparation, you can face it with greater peace of mind. At InsuraPro Advisors, we're committed to helping you understand your options and secure the coverage you need.

📞 Contact us today for a free policy review and to discuss your hurricane preparedness needs.