Florida homeowners know hurricane season can bring uncertainty and unexpected expenses. Preparing your property is important, but reviewing your insurance coverage before a storm may be one of the most important steps you can take.
This guide outlines key insurance considerations every Florida homeowner should review before hurricane season begins.
Why Preparation Matters
A pre-season review can help:
Verify policy limits
Understand deductibles
Confirm current coverage
Identify documentation needs
Reduce claim surprises
Review Your Hurricane Deductible
Review:
Current deductible percentage
Estimated out-of-pocket costs
Policy trigger requirements
Named storm provisions
Verify Your Dwelling Coverage
Confirm:
Rebuilding costs
Home improvements
Roof upgrades
Detached structures
Additional living expense coverage
Check Flood Insurance
Review:
Building coverage
Personal property coverage
Waiting periods
Flood zone status
Document Your Property
Photos of each room
Video walkthroughs
Receipts for major purchases
Updated inventory lists
These records can help streamline future claims.
Review Your Personal Property Limits
Consider:
Jewelry
Electronics
Artwork
Collectibles
Business equipment
Gold Medal Insurance Corner
Expert Insight from Pamela
“The best time to understand your coverage is before a storm appears on the radar. A quick insurance review can help homeowners feel more confident and prepared when hurricane season arrives.”
— Pamela, Gold Medal Insurance
TESTIMONIALS
“Impressive! Pamela found me the best coverage and the lowest price for my Roofing General Liability. The process was made easy by her and I get my certificates very quickly. I highly recommend gold Medal Insurance. Low Cost. Great Service. A+”
“Gold Medal Insurance went above and beyond to help me secure my first home. I will be eternally grateful for their insight, guidance and follow through up until the final step of closing on our home A++”
“Gold Medal Insurance is #1
I went there trying to get health insurance, I was so confused about all the plans from looking online and calling different places and Palma went above and beyond and helped me choose the best plan for me. I definitely recommend this place.”
Frequently Asked Questions
When does hurricane season begin in Florida?
Answer: Hurricane season runs from June 1 through November 30 each year.
Does homeowners insurance cover hurricane damage?
Answer: Most homeowners policies cover wind damage from hurricanes, subject to policy terms and deductibles.
Does flood insurance cover hurricane flooding?
Answer: Yes. Flood insurance may help cover flood-related damage that is typically excluded from standard homeowners policies.
How often should I review my hurricane coverage?
Answer: At least once per year, ideally before hurricane season begins.
Can I buy flood insurance right before a storm?
Answer: Most flood insurance policies have waiting periods before coverage becomes effective.