Preparing Your Florida Home for Hurricane Season

Hurricane season runs from June through November, and for Florida homeowners, preparation is one of the most effective ways to reduce damage and stress when a storm approaches. A clear plan—paired with the right insurance coverage—helps you protect what matters most.

Start with a property walkthrough

Walk your property before storm season begins and look for weak points. Clear gutters and downspouts, trim trees away from the roof and power lines, and secure or store outdoor furniture, grills, and décor that can become projectiles in high winds.

Check roof condition, window and door seals, and any openings where water could enter. Small maintenance items completed early are often far easier—and less costly—than emergency repairs after a storm.

Build a home emergency kit

Keep supplies on hand so you are not scrambling when a storm watch is issued. A solid kit typically includes:

• Water and non-perishable food for several days
• Flashlights, batteries, and a battery-powered or hand-crank radio
• First-aid supplies and any necessary medications
• Copies of important documents in a waterproof bag
• Phone chargers and a portable power bank

Know what your insurance covers

Homeowners insurance and flood insurance are not the same. Standard homeowners policies generally cover wind damage, but flood damage from rising water typically requires a separate flood policy. Understanding those distinctions before a storm hits helps you avoid surprises later.

Review your deductible, especially any hurricane or named-storm deductible, and confirm your dwelling coverage reflects your home's current rebuild cost—not just its market value.

Document your belongings

Take photos or videos of each room, major appliances, and valuable items. Store copies in the cloud or somewhere off-site. If you ever need to file a claim, a clear inventory makes the process faster and more accurate.

Have a communication and evacuation plan

Decide where your household will go if an evacuation order is issued, how you will stay in contact, and who will check on neighbors or relatives who may need help. Keep your vehicle fueled and know your local evacuation routes.

Talk with a local agent

Florida insurance is unique, and coverage details can vary by carrier and property. A local agent can help you review your policy, explain deductibles, and identify gaps before storm season peaks.

If you have questions about your coverage or want a second look at your options, Protective Choice Insurance is here to help Florida homeowners prepare with clarity—not confusion.