As hurricane season approaches, preparation goes beyond stocking up on supplies and boarding windows. Having the right insurance coverage — and understanding it — is just as important for protecting your home, your business, and your peace of mind.
Unfortunately, many people find out too late that their insurance wasn’t ready when the storm hits. Here are five common insurance mistakes to avoid before hurricane season is in full swing — plus simple steps you can take today to stay protected.
1. Waiting Too Long to Update Your Coverage
Many insurance policies have waiting periods — especially flood insurance, which typically takes 30 days to go into effect.
Waiting until a storm is already approaching could leave you without critical protection when you need it most.
Tip:
Schedule a policy review now. Confirm that your homeowners, flood, and business policies are up to date before hurricane season picks up speed.
2. Assuming Your Homeowners Insurance Covers Flooding
Standard homeowners insurance does not cover flood damage.
Flood insurance is a separate policy — and in Florida, it’s essential.
Even properties outside of designated flood zones can be vulnerable to water damage from heavy rains, storm surges, or hurricanes.
Tip:
Ask about your flood zone and risk level. Even low-risk areas benefit from affordable flood policies that can save you thousands later.
3. Underestimating the Value of Personal Belongings
After a storm, replacing personal belongings adds up quickly.
Many homeowners underestimate how much it would cost to replace furniture, electronics, appliances, and clothing.
Creating a detailed home inventory now — including photos and receipts when possible — can make the claims process faster and more accurate if disaster strikes.
Tip:
Start a home inventory list today. Walk room by room and document major items — even quick smartphone photos are better than nothing.
4. Forgetting About ‘Loss of Use’ Coverage
If your home becomes unlivable after a storm, where will you stay?
Loss of Use coverage helps pay for additional living expenses like hotel stays, temporary rentals, and meals if you’re displaced.
Without it, these costs come out of pocket — often at the worst possible time.
Tip:
Review your Loss of Use limits. Make sure your policy would cover a realistic length of temporary housing based on your family’s needs.
5. Not Reviewing Your Policy Limits
Life changes — and so do property values.
If you’ve made home improvements, purchased new valuables, or your business has grown, your current policy limits might not cover the full cost of repair or replacement after a storm.
An annual insurance review ensures that your coverage grows with you.
Tip:
Update your agent on major changes. New renovations, purchases, or business expansions should trigger a quick coverage review.
Be Prepared, Stay Protected
Hurricane season is unpredictable — but your insurance coverage shouldn’t be.
At Bates Hewett & Floyd, our team is here to help you review, update, and customize your policies to ensure you’re fully protected when it matters most.
Contact us today to schedule a complimentary coverage review and start this hurricane season with confidence.