Hurricane Season Is Here: Is Your Insurance — and Your Property — Ready?

Justin Wolfe

June 02, 2025

June in South Florida Means One Thing: Hurricane Season

The Atlantic hurricane season officially kicks off June 1, and if you live in South Florida, you know this is no time for complacency. With storm tracks that can shift in hours and winds that can rip roofs off like paper, preparation isn't an option….It is essential!

Now’s the time to ask:
Is your insurance up to par? Is your property ready? And do you have a plan to stay informed when a storm is on the way?

Our main goal is to help homeowners, business owners, and property managers across Florida get storm-ready with the right coverage, clear action plans, and local expertise that national providers just can’t match. Because we are big enough to get the job done and small enough to keep it personal.

Step 1: Make Sure Your Insurance Covers the Real Risks

Not all insurance is created equal — especially here, where hurricane-force winds and flooding are an annual threat. Here’s what every South Florida resident should check today:

✅ Homeowners

• Windstorm Coverage – Not always included! If it’s excluded, your policy could leave you high and dry (literally).

• Hurricane Deductibles – Usually 2-10% of your insured value. That’s thousands out-of-pocket if you’re underprepared.

• Flood Insurance – Required if you’re in a high-risk zone. But smart even if you’re not. Standard homeowners policies do not cover flood damage.

• Loss of Use – If you can’t live in your home post-storm, this pays for hotels, meals, and more. This is also a coverage not included in an NFIP flood policy so, make sure if you have a private flood policy you have an adequate limit for this coverage.

✅ Business Owners

• Commercial Property Insurance – Covers physical damage to buildings and equipment.

• Business Interruption Insurance – Crucial if storms force a temporary closure.

• Offsite Backup Coverage – Don’t forget about data loss or damaged inventory offsite.

👉 If you’re unsure what you’re covered for, schedule a Hurricane Insurance Review with us now — before the next storm shows up on your weather app.

Step 2: Prep Your Property — Before the Watch is Issued

Once a storm is projected to hit Florida, most insurance companies stop binding new policies or making changes.So your window to act is now.

🏠 For Homeowners

• Trim trees and clear gutters

• Reinforce garage doors and install storm shutters

• Secure outdoor furniture and loose items

• Get a wind mitigation inspection (could mean big discounts!)

🏢 For Businesses

• Back up digital files offsite or in the cloud

• Update emergency contacts and evacuation plans

• Cover electronics and unplug equipment

• Review vendor contracts for interruption clauses

Want a printable checklist? Click here for resources

Step 3: Stay in the Know — Before, During, and After the Storm

Reliable info is your best tool when things get chaotic. Bookmark your county’s emergency management page and follow official alerts for real-time updates.

🌴 County Emergency Resources

📍 Miami-Dade County

• Website: www.miamidade.gov/emergency

• Sign up for alerts: Miami-Dade Alerts

📍 Broward County

• Website: www.broward.org/hurricane

• Sign up: AlertBroward

📍 Palm Beach County

• Website: www.readypbc.com

• Sign up: PBC Alerts

📍 Martin County

• Website: www.martin.fl.us/emergency

• Sign up:AlertMartin

📍 St. Lucie County

• Website: www.stlucieco.gov/eoc

• Sign up: Alert St. Lucie

Also follow NOAA, NHC, and FPL for weather and power outage updates.

Step 4: After the Storm – What Now?

• Document everything – Take videos and photos of all damages.

• Contact us (as your insurance agent) ASAP – We’ll guide you through next steps.

• Avoid scammers – Only work with licensed contractors. If something sounds shady, it probably is.

Our clients call us before, during, and after the storm — because they know we’ve got their backs.

👋 Let’s Make Sure You’re Hurricane-Ready Today

The best time to prep was yesterday. The second-best time is right now.

Whether you’re in Palm Beach, Miami, Fort Lauderdale, Stuart, or Port St. Lucie, our local agents understand the unique risks you face — and how to build a stormproof insurance strategy that protects your home, business, summer toys and peace of mind.

📞Call Us: (561) 368-4704
📍Visit Us: 7251 W Palmetto Park Rd., Suite 306, Boca Raton, FL 33433
🌐Online:www.FIGFL.com

📩Email: info@FIGFL.com

Let us help you weather the storm — smarter, stronger, and fully covered.