Hurricane season is here, and while storms are a familiar part of life in Florida, proactive planning can make all the difference. The Department’s PrepareFL.com website serves as a comprehensive hub for preparedness and recovery resources, helping Floridians minimize storm impacts and navigate recovery with confidence.
Taking key steps such as assembling an emergency kit, establishing an evacuation plan, and safeguarding your home can significantly improve resilience and ease the path to normalcy after a storm. Stay informed, take timely precautions, and be ready for whatever this season brings.
For additional guidance, the Department’s Insurance Consumer Helpline is available at 1-877-MY-FL-CFO (693-5236), Monday through Friday, from 8 a.m. to 5 p.m. Eastern Time. Knowledgeable insurance specialists are ready to assist free of charge.
Essential Hurricane Preparedness Tips
- Secure Flood Insurance: Standard homeowners’ policies don’t cover flood damage. If you live in a flood-prone area, contact your insurance agent to explore coverage options. Florida offers policies from over 30 private insurers, along with federally backed coverage from the National Flood Insurance Program (NFIP).
- Review and Update Your Coverage: Homes and possessions often increase in value over time. Ensure your insurance policy reflects current replacement costs so your coverage remains adequate.
- Confirm Extra Living Expense Protections: Many homeowners’ policies include additional living expenses for temporary lodging, dining, and storage if your home becomes uninhabitable. Verify these benefits are included in your policy.
- Act Before a Storm Approaches: Once a hurricane nears, insurers generally halt new applications and coverage changes. Flood policies often take 30 days to become effective, so securing or updating coverage now is essential.
Stay prepared, stay safe, and take the necessary steps today to protect your home, finances, and family.