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. Many homeowners, particularly new homeowners, aren’t sure what their policy does or if they have the right coverage. Read more at BocaVibe.com.

Key Areas to Review

Here are some key areas to review on your Florida insurance policy before hurricane season:

• Property Coverage: Make sure you have enough coverage for your home, including any upgrades or renovations made since the last inspection.
• Damage Exclusions: Check if there are any damage exclusions that may not be covered, such as flood damage or damage caused by a specific type of storm.
• Additional Living Expenses: Review if you have coverage for additional living expenses, such as hotel stays or rental properties, if your home is uninhabitable due to damage from a hurricane.
• Personal Property Coverage: Check if you have enough coverage for personal property, including valuable items such as jewelry, art, and collectibles.

New Homeowners: What You Need to Know

New homeowners may not know what their policy does or if they have the right coverage. Here are some tips:

• Get a copy of your policy: Review your policy documents and ask questions if you’re unsure about anything.
• Ask questions: Contact your insurance agent or company to ask questions about your policy, such as what is covered and what is not.
• Review your deductible: Make sure you understand your deductible amount and how it will affect your claims process.

Don’t Wait Until It’s Too Late

Don’t wait until hurricane season to review your policy. The earlier you review, the better equipped you’ll be to make changes or adjustments as needed.

Additional Resources

For more information on Florida insurance policies and hurricane preparedness, visit:

• The Florida Office of Insurance Regulation: https://www.floir.com/
• The National Hurricane Center: https://www.nhc.noaa.gov/
• Your insurance agent or company: Contact your insurance agent or company for personalized advice and guidance.

Official city info: City of Boca Raton.

Source: Original Report