JACKSONVILLE, Fla. – Hurricane season officially begins June 1, but experts at Security First Insurance say the time to prepare is right now.
Taking a few simple steps now can help Northeast Florida homeowners avoid stress, save money, and stay safer once storms begin to develop.
Here are five important things to check before hurricane season arrives:
1. Review your homeowners insurance coverage
Many homeowners assume they are fully covered, but policies can vary widely.
It is important to review what your policy includes, how much coverage you have, and whether anything has changed since last year.
Experts at Security First Insurance recommend paying close attention to your hurricane deductible, which is often different from your standard deductible and is typically based on a percentage of your home’s value.
Related: Creative tips from Security First Insurance to help you prepare for storm season
2. Understand what is not covered
One of the biggest misconceptions is that flood damage is included in a standard homeowners insurance policy. In most cases, it is not.
Flood insurance is a separate policy, and with Florida’s heavy rain and storm surge risks, it is something many homeowners should consider.
3. Create or update your home inventory
If you ever need to file a claim, having a record of your belongings can make the process much smoother.
Take time to walk through your home and document items with photos or video. Save receipts or keep a digital list of major purchases.
4. Inspect your home for vulnerabilities
Now is the time to check your roof, windows, doors, and drainage systems. Look for loose shingles, cracks, or areas where water could enter your home.
Clearing gutters and trimming trees can also help reduce potential storm damage.
5. Make a plan before storms form
Once a storm is named, it may be too late to make changes to your insurance policy or prepare your home.
Having a plan in place now, including emergency supplies and evacuation routes, can make a big difference when time is limited.
According to experts at Security First Insurance, preparing early gives homeowners more options and helps avoid last-minute surprises during storm season.
For more tips on hurricane preparedness and to review your coverage, visit SecurityFirstFlorida.com or connect with a local agent.