Hurricane season in Florida has already begun, and while we’re keeping our fingers crossed that it won’t affect us directly, being prepared can make the difference between a minor loss and a major catastrophe. As Public Adjusters in Florida, at Let Us Claim we’ve seen firsthand what happens when a hurricane strikes without warning. That’s why we want to help you stay one step ahead with these clear and practical recommendations.
1. Florida has over a 70% chance of being impacted this year
According to NOAA, this season could be one of the most active in recent years. Due to its geographic location, Florida has a high probability of being hit by at least one hurricane. This means that you — or someone close to you — is very likely to be affected. Being prepared isn’t optional; it’s a necessity.
2. Don’t wait for leaks: inspect your roof and windows
One of the most common types of damage we see after a hurricane is storm-related water infiltration, especially in roofs or windows that haven’t been properly maintained. Look for warning signs such as:
- Loose shingles or panels
- Water stains on the interior ceiling
- Cracked or broken window seals
- Rust or mold on frames
If you notice anything unusual, don’t ignore it. A small issue can turn into a major disaster once the wind and rain arrive.
3. Secure loose items in your yard or garden
During a storm, any object can become dangerous. We recommend:
- Storing chairs, flowerpots, and tools
- Securing fences, decorations, swings, or tents
- Trimming branches that are close to roofs or windows
Furniture, umbrellas, pots, and tools left exposed to strong winds can cause serious damage. Prevention also means protecting your neighbors.
4. Create a visual inventory of your belongings
One of the most underestimated — yet most important — steps for peace of mind is having evidence of what you owned before any damage occurs. We suggest:
- Taking photos of each room
- Recording a panoramic video as you walk through your property
- Including valuable items and appliances
This visual record is essential for backing up your claim in the event of hurricane damage or other emergencies. It will help you identify and remember your belongings, making any future insurance process much easier.
5. Store your important documents in a safe place
Beyond your insurance policy, safeguarding your essential documents is crucial. Make sure to store in a secure location:
- Personal documents
- Property deeds
- Important purchase receipts
- Insurance contracts
Ideally, keep a digital copy in the cloud or on a waterproof USB drive.
6. Check what your policy actually covers
Did you know that many home insurance policies in Florida don’t cover mold, slow leaks, or non-sudden water damage? Some also exclude storm-related damages if the property lacks proper maintenance.
We can help you understand your actual coverage and identify exclusions that could affect you in the future.
7. Have a clear emergency plan
Talk with your family about the following key points:
- Safe evacuation routes
- Locations of nearby shelters
- Emergency contact list
- Essential items in your emergency bag (water, non-perishable food, medications, flashlight, portable charger)
If you have pets, make sure to include them in the plan. Their safety matters too.
8. Document the exterior of your property before any storm
Don’t wait until the storm arrives. It’s crucial to have images of the pre-storm condition of:
- Roof
- Exterior walls
- Windows
- Fences, patios, carports
This evidence will help you prove that the damage was caused by the storm and wasn’t pre-existing.
9. Insurance companies have recently changed policy conditions
Many clients call us surprised to learn that several companies have modified their hurricane insurance policies:
- Their deductible increased without clear notice
- Loss of use or mold coverage was removed
- New limits were added to essential coverage categories
These changes can go unnoticed unless you review your policy carefully. At Let Us Claim, we offer a free review so you’re not caught off guard.
10. At Let Us Claim, we’re here to help
We don’t sell insurance. Our role is to protect your rights as a policyholder.
If something in your policy is unclear, if you’ve experienced damage, or if you simply want a second professional opinion, our team is just a phone call away. No pressure. Just real help.
Conclusion
No one can control hurricanes, but we can control how we prepare to face them. Having the right information, acting in advance, and having the right support — like a free review of your hurricane insurance policy — can make all the difference.
At Let Us Claim, we believe that educating is the most powerful way to protect. That’s why we’re sharing these tips with you, hoping you won’t need them… but confident that, if the time comes, you’ll know who to call.
Do you want a free inspection or help understanding your policy?
Contact us today.
📞 Call us at 407-610-2333
