Prepare your home before a hurricane

Review the policy while there is time to ask questions

Locate the full property policy, declarations, endorsements, and any separate flood policy. Confirm the insured address and insurer contact details. Ask your insurance agent to explain hurricane and other deductibles, exclusions, limits, and how the policy settles a roof or contents loss. Changes may not be available once a storm threatens.

Do not assume that every named storm triggers a new hurricane deductible. The applicable policy and Florida rules determine when and how it applies. Record the actual deductible terms instead of relying on a general percentage example.

Build a before-the-storm record

• Photograph each room, major belongings, and safely visible exterior conditions.
• Keep receipts, model numbers, and serial numbers for significant belongings.
• Save roof installation, maintenance, and repair records.
• Keep a protected backup of policy documents and insurer contact information accessible away from the property.

A clear inventory makes later comparison easier. It does not establish that every item or type of damage is covered.

Plan for safety and practical access

Follow your local emergency management guidance for evacuation, supplies, and property protection. Identify how household members will communicate and where essential documents will be kept. Property preparation should not delay an evacuation or put anyone on an unsafe roof.

For condos or business property, establish who can authorize access, arrange urgent work, and communicate with the association, owner, or insurer.

Identify coverage questions before a loss

A free policy review can help organize questions about your existing policy. Ask your insurance agent about purchasing or changing coverage. If damage has already happened, use the after-the-storm guide and report it promptly to your insurer.