Preparing For Hurricane Season – What Homeowners Need to Know about Flood Insurance

Posted May 9 2013

Hurricane Season Preparation

Hurricane season begins June 1st and runs through November 30th each year on the Atlantic coast. The National Weather Service (NOAA) releases its predictions for the season on May 23rd, but forecasters from Colorado State University are expecting a season with above-average storm activity, estimating that there will be 18 tropical storms, nine of which will be hurricanes, and four of those to be major hurricanes. 

Floridians know that in order to get through Hurricane season smoothly, it is important to be properly prepared. In addition to NOAA’s website, which offers an informative and helpful Hurricane Preparedness Guide, here are some important tips that are worth mentioning, as well as some that often are overlooked:

  • Have an evacuation plan and know the local routes. Share it with your family.
  • While stocking up on food and water supplies, remember to purchase a First Aid kit as well.
  • Keep important documents in a waterproof bag or case and move it to a place that you can access easily.
  • Learn the elevation of your property, and whether the land is prone to flooding.
  • Find out if there is a SPHA for the area you live in – Special Flood Hazard Designation.
  • Make arrangements for your pets, in case evacuation becomes necessary.
  • Make plans to secure your property in the event of an evacuation.
  • Take pictures of your home, inside and out.
  • Check over your insurance policies.

Not sure what you should be looking for when reviewing your insurance policies? First, become familiar with policy coverage amounts and deductibles so that you can be prepared in the event you have to file a claim. Also, what does the policy cover? 

Home owners’ insurance in Florida does not cover flood claims. You should purchase a Flood Insurance policy to protect your home from flooding due to heavy rains and storm surge. Storm surge is water that is pushed toward the shoreline by wind force during a storm. Combined with normal tides, water levels rise and can cause catastrophic damage to coastlines and beyond by eroding beaches and roadways. Only a few inches of water in your home can cost thousands in repair costs and restoration. 

Having a comprehensive Flood Insurance policy is vital to recovering from a devastating hurricane. Even renters may purchase a policy to cover the contents of their home. There are two types of Flood Insurance policies available to you that can be purchased separately – Contents and Structure Only. 

MHG Insurance Brokers are well-informed about what policies are currently being offered and are able to provide you with the most comprehensive Flood Insurance policy backed by the U.S. Government. Visit MHG online today at or call at 954 -828-1819 and speak with a member of our team to get better prepared this Hurricane Season.