According to NOAA, mid-August through mid-October is the time when the Atlantic Hurricane Season is most active. Although there is no lack of disturbances throughout the six-month Hurricane Season, this period accounts for 78% of tropical storms, 87% of category 1-2 hurricanes, and 96% of major hurricanes (categories 3-5). As we have seen in previous Hurricane Seasons, the month of September accounts for a majority of the most powerful and destructive hurricanes. For this reason, it is pivotal you prepare your family, and home. As a top Homeowners Insurance Carrier in Florida, we would like to provide you with some tips to be prepared for the statistical peak of Hurricane Season.
Preparing Your Family for the Peak of Hurricane Season
Now is the time to make sure your family is prepared for a tropical storm or hurricane. Your family emergency supply kits should be stocked with all the essential items you will need, including non-perishable foods, extra water, medications, important documents, batteries, etc. This time also serves as a great opportunity to review and practice your emergency or hurricane evacuation plans. Evacuating can be a stressful experience for the entire family. We recommend each family member understands what is expected of them during an emergency and where they need to go should there be a need to evacuate. Don’t forget to include all members of the family, including your pets.
Preparing Your Home for the Peak of Hurricane Season
Do not wait until a storm is approaching to prepare your home and property. Conduct a physical inspection of all areas of your home and yard and make repairs as necessary. Keep shrubs and trees trimmed and remove clutter from your roof, gutters, and drains.
Review Your Homeowners Insurance Coverages
It is important to review your homeowners policy and coverages to be sure you are adequately insured if disaster strikes. You do not want to wait until it is to file a claim to discover you may not have purchased enough coverage to protect your home and belongings. It is important to note, most standard homeowners insurance policies do not include coverage for flood damage, Should damage from rising water occur during a storm, a separate flood policy would be needed. As a Florida Peninsula policyholder, you may be eligible for our certified flood endorsement, which would eliminate the need for a standalone flood insurance policy. Should you have any concerns or questions about your policy, contact your agent, or call us at 877-229-2244.
We hope you consider these tips to keep your home and family safe as the peak of Hurricane Season approaches. In the event of a storm, Florida Peninsula Insurance Company stands ready to assist our policyholders and agents. Should you need to file a claim, you can do so online, or by phone at 866-549-9672.