Before the Storm
- Make sure you’re covered – Insurance companies do not accept new applications or requests for increased coverage once a hurricane nears Florida.
- Know what your policy covers – Flood and wind damage are often covered in separate policies. Decide if you need this protection and contact your agent for more information.
- Make sure your coverage is adequate – You may have made recent home improvements or purchases. Consider increasing your coverage if your policy doesn’t cover the current value of your home and contents.
- Keep policy documents safe – In addition to information on your agent, you should write down the name of your insurance company, policy number, and a telephone number to report a claim.
- Fortify your home – Inspect your roof, making sure you have roof anchors installed on your home. Replace your windows and doors that don’t pass the impact test, or cover them with shutters. A fortified home with the right doors, windows and shutters will save you money on your insurance premiums (link to discounts).
- Secure your property and clear your yard of any debris, lawn furniture, tools or other objects that could turn into dangerous projectiles in high winds.
Disaster Tips
- Disaster Guides
- Disaster Resources
- Hurricane Preparedness Events
- After the storm FAQs General Insurance Coverage, Commercial Coverage and Flood Coverage
- Disaster Response
- Tips for Hiring a Contractor brought to you by the Disaster Contractors Network.
- Develop a Disaster Plan for your family or business. The Florida Division of Emergency Management can help you!
- List of toll free numbers to assist policyholders brought to you by FIC
Want more information?
Visit the Disaster portion of the Insurance Library or call 1-877-MY-FL-CFO (1-877-693-5236)
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