How to Create a Hurricane Preparedness Plan That Aligns With Your Insurance Coverage

Living in Florida means being prepared for hurricane season is a necessity, not just a precaution. At Baker Insurance Group Inc., we understand how important it is for homeowners and business owners to protect their property and finances from the unpredictable nature of storms. Creating a hurricane preparedness plan that works hand-in-hand with your insurance coverage can make all the difference when severe weather strikes.

Understanding Your Insurance Coverage

The first step in hurricane preparedness is reviewing your current insurance policies. Our team recommends checking the following:

• Homeowners or commercial property insurance—Confirm that your policy includes windstorm and hurricane coverage, as some standard policies may exclude these perils.
• Flood insurance—Most property insurance policies do not cover flood damage. If you’re in a flood-prone area, consider a separate flood insurance policy.
• Deductibles—In Florida, hurricane deductibles are often separate and may be higher than standard deductibles. Make sure you know what your out-of-pocket costs could be after a storm.

Steps to Align Your Preparedness Plan With Your Coverage

1. Inventory your property. Document your belongings and property features with photos or videos. This helps streamline the claims process and ensures you have proof of ownership if you need to file a claim.
2. Review and update your policies. Contact our team to discuss any changes in your property, renovations, or new purchases. Keeping your coverage up to date ensures you’re not underinsured.
3. Prepare documentation. Store copies of your insurance policies, contact information for your agent, and your property inventory in a secure, accessible location—both digitally and physically.
4. Implement physical protections. Install storm shutters, reinforce doors and clear debris from your property. These actions may not only protect your property but could also qualify you for insurance discounts.
5. Know your claims process. Familiarize yourself with how to file a claim and what information you’ll need. Quick action after a storm can help you recover faster.

Why Partner With Baker Insurance Group Inc?

Our team is dedicated to helping Florida residents navigate hurricane season with confidence. We’re here to answer your questions, review your policies, and help you build a preparedness plan that truly protects what matters most. Ready to review your hurricane preparedness and insurance coverage? Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.