Before Hurricane Season, What to Check on Florida Insurance Policies

Before Hurricane Season, What to Check on Florida Insurance Policies

The 2026 Atlantic hurricane season is still a little less than two months away, but the time to review what is and isn’t covered in your home’s insurance policy is now. And many homeowners, particularly new homeowners, aren’t sure what their policy does or if they have the right coverage. Read more at BocaVibe.com.

• Check your policy limits: Make sure you understand how much your policy will pay out in the event of a hurricane-related loss. Review your policy limits and consider increasing them if necessary.
• Review your dwelling coverage: Ensure that your dwelling coverage is adequate to cover the cost of rebuilding or repairing your home after a hurricane.
• Check your personal property coverage: Make sure you have sufficient coverage for your personal belongings, including clothing, furniture, and electronics.

Even those who do know what their policy does may not be aware that there are often exclusions and limitations to coverage. For example:

• Exclusions for flood damage: Many policies exclude flood damage, which is a major concern during hurricane season. Review your policy to see if you have separate flood insurance.
• Limitations on wind damage: Some policies may limit the amount of coverage for wind damage, even if it’s caused by a hurricane.

Additionally, consider the following tips when reviewing your Florida insurance policy:

• Review your deductible: Make sure you understand what your deductible is and how it will affect your premiums.
• Check your coverage for additional living expenses: If you’re unable to live in your home during repairs, make sure you have coverage for additional living expenses such as food and lodging.

By taking the time to review your Florida insurance policy now, you can ensure that you have the right coverage in place when hurricane season hits. Don’t wait until it’s too late – contact your insurance agent today to discuss your options.

Official city info: City of Boca Raton.

Source: Original Report