BEFORE HURRICANE SEASON
Taking a few simple steps before hurricane season begins can help reduce property damage, protect your family, and strengthen your insurance claim if your home is affected. Start with these five essential preparation tasks.
Prepare your roof, windows, doors, gutters, and outdoor areas before a storm develops.
Understand hurricane deductibles, exclusions, flood coverage, and policy limits.
Take photos and videos of your home, belongings, appliances, and valuables.
Gather water, food, medication, documents, flashlights, batteries, and essentials.
Know your evacuation routes, shelter options, and communication plan.
A little preparation before hurricane season can make a major difference if your home is damaged and you need to file an insurance claim.
State-Specific Hurricane Resources
Each state has unique storm risks, insurance rules, deadlines, and recovery resources. Explore hurricane and insurance claim guidance for the states we serve.
Hurricane preparation, property damage resources, insurance claim guidance, and recovery information for Florida homeowners.
Storm damage resources, insurance claim guidance, and recovery information for Georgia homeowners and policyholders.
Hurricane preparation, evacuation resources, insurance claim guidance, and recovery information for Louisiana policyholders.
Hurricane recovery, wind damage, property insurance, and claim resources for Mississippi homeowners and business owners.
Coastal storm preparation, hurricane claim guidance, insurance dispute resources, and recovery information for North Carolina residents.
Hurricane, hail, wind, roof damage, and insurance claim resources for Texas homeowners, business owners, and policyholders.
To prepare your home for a hurricane:
These steps can reduce structural damage and help prevent insurance disputes later.
Before a hurricane, review your policy to confirm:
Related Resources:
A home inventory helps prove your losses during an insurance claim.
To create one:
This documentation can significantly increase your claim value.
A hurricane emergency kit should include:
You should:
Storm Season Legal Tips from Thomas Morgan
Prepare Your Home for Hurricane Season
One mistake in your coverage could cost you thousands after a storm.
After a hurricane, you should:
Taking these steps early can directly impact your claim outcome.
To properly document damage:
Strong documentation is one of the most important factors in a successful claim.
Yes. Most insurance policies require you to mitigate damage.
This includes:
Failure to do so may reduce your claim payout.
Keep receipts for:
Also track:
Avoid:
Learn more:
Claims may be delayed or denied due to:
Related Resources:
Before accepting any offer, make sure your claim is handled correctly.
How Should I Prepare For a Storm?
A Message to Roofers, Public Adjusters & Contractors
Boat owners should:
Boat Damage
A Message to Roofers, Public Adjusters & Contractors
You should seek help if your claim is:
We help property owners:
If your property was damaged in a storm, don’t navigate the claim process alone.
Get clear answers to the most common questions about preparing for a hurricane and handling insurance claims after a storm.
Before hurricane season, secure your home, review your insurance coverage, document your property, build an emergency kit, and plan for evacuation.
After a hurricane, ensure safety, prevent further damage, document all losses, and contact your insurance company to begin the claims process.
Take photos and videos of all damage before repairs, document personal property losses, and keep records of all affected areas to support your claim.
Insurance companies may deny claims due to insufficient documentation, policy exclusions, disputes over damage causes, or undervaluation of repairs.
Yes, most insurance policies require property owners to take reasonable steps to prevent further damage, such as tarping roofs or boarding windows.
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