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.

Even those who do know that they need flood insurance may not be aware of all the other risks that are included in their policy. For example, some policies may cover damage from wind-borne debris, while others may only cover damage from flooding.

What to Check on Your Policy

Here are some things you should check on your Florida insurance policy before hurricane season:

• Wind coverage: Make sure that your policy covers damage from wind-borne debris, including roofs, walls, and windows.
• Flood coverage: If you live in a flood-prone area, make sure that your policy includes flood insurance. Some policies may offer additional coverage for specific types of flooding, such as storm surges or sewer backups.
• Water damage coverage: Check if your policy covers damage from water leaks, including those caused by appliances, pipes, and roof leaks.
• Personal property coverage: Make sure that your policy includes coverage for personal property, including furniture, electronics, and other belongings.

Additional Tips

Here are some additional tips to keep in mind 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 for discounts: Some policies may offer discounts for things like security systems, storm shutters, or flood-proofing.
• Consider a rider: If you have a specific risk that isn’t covered by your policy, consider adding a rider to cover it.

Don’t Wait Until It’s Too Late

The time to review your Florida insurance policy is now. Don’t wait until hurricane season hits and you’re left wondering what’s covered and what’s not. Take the time to review your policy and make any necessary changes before the storm season begins.

Official city info: City of Boca Raton.

Source: Original Report