How to Prepare for Hurricane Season

by Ali Hockstad May 18, 2023

Updated: June 4, 2024

Hurricane season is a period of time when hurricanes, tropical storms, and tropical depressions can form in the Atlantic Ocean, Caribbean Sea, and the Gulf of Mexico. It’s a time when Floridians need to be extra vigilant in their preparations for possible hurricanes. As we’ve seen in recent years, hurricanes can cause significant damage to homes, property, and infrastructure. Therefore, it’s important to take measures to protect yourself, your family, and your property during hurricane season. In this article, we will discuss how to prepare for hurricane season in Florida.

1. Review and Update Your Insurance Coverage

Before hurricane season begins, review your homeowner’s insurance policy to understand what is covered and what is not. Many policies have exclusions for certain types of damage, and you may need to purchase additional endorsements or separate policies for full coverage. For example, flood damage is typically not covered under a standard homeowners insurance policy. You may need to purchase flood insurance separately (read our post about flood insurance here). It’s also important to note that hurricane deductibles are often different from standard claim deductibles. Contact your insurance agent to review your policy and make any necessary adjustments well in advance of hurricane season.

2. Document Your Home and Possessions

Documenting your home and possessions is a critical step in hurricane preparation. This involves taking photos and videos of your belongings, noting their condition, and keeping receipts. Store these records in a waterproof container or digitally in the cloud. This documentation will be invaluable if you need to file an insurance claim after a hurricane.

3. Stay Informed

An important step in preparing for hurricane season is to stay informed. You should know the difference between a hurricane watch and a hurricane warning. A hurricane watch means that hurricane conditions are possible within the next 48 hours. A hurricane warning means that hurricane conditions are expected within 36 hours. You should also be aware of any evacuation orders or other alerts issued by your local government. Stay tuned to local news outlets and the National Hurricane Center for up-to-date information.

4. Secure Your Home

Before a hurricane hits, it’s important to secure your home. Here are some steps you can take to protect your home:

Trim trees and shrubs around your home to reduce the risk of branches falling on your home or car during high winds.
Install storm shutters or purchase precut plywood to cover windows and doors.
Make sure your roof is in good condition and can withstand high winds.
Anchor any outdoor furniture or decorations that could become airborne during a storm.

5. Prepare for Flooding

Flooding is a significant risk during hurricanes. To prepare:

Clean out gutters, drains, and downspouts.
Stockpile sandbags and plastic sheeting.
Consider installing a sump pump with a battery backup.
Elevate your heating system, water heater, and electrical panel if they are in flood-prone areas .

6. Create an Emergency Kit

It’s essential to stock up on necessary supplies before a hurricane hits. You should have enough supplies to last for at least three days. Make sure you have enough food, water, and medication for everyone in your family. Other supplies you should consider include:

Non-perishable food and water (at least one gallon per person per day for three days plus more if you have pets).
A battery-powered or hand-crank radio.
Flashlights and extra batteries.
First aid supplies.
Personal hygiene items.
Pet supplies such as food and medications.
Important documents in a waterproof container.

7. Plan for Power Outages

Power outages are common during hurricanes. To prepare:

Invest in a generator and ensure it is in good working condition.
Stock up on fuel for the generator.
Freeze water in plastic jugs to help keep your freezer cold.
Turn your refrigerator and freezer to the coldest settings before the storm.

8. Develop an Emergency/Evacuation Plan

Developing an emergency plan is crucial in case of a hurricane. You should have a plan in place for your family and pets in case of an emergency. Make sure everyone knows where to go in case of evacuation, and have a communication plan in place in case you are separated. Your hurricane preparedness plan should include:

Evacuation routes.
A designated meeting place.
Emergency contacts.
A communication plan.
A plan for pets.
Your emergency kit.

9. Follow Evacuation Orders

If authorities issue an evacuation order, it’s crucial to leave immediately. Plan your evacuation route in advance, know where you will go, and have a list of items to take with you, including your emergency kit. Ensure your plan includes provisions for pets

In conclusion, preparing for hurricane season in Florida is essential to protect yourself, your family, and your property. Remember, hurricane preparedness is not something to be taken lightly. It’s always better to be over-prepared than underprepared. Stay vigilant, stay informed, and stay safe. Monitor weather updates and heed the instructions and guidance provided by local authorities. By taking proactive steps and implementing a well-thought-out plan, you can minimize the risks associated with hurricanes and ensure the well-being of yourself and your loved ones during this challenging time.

Florida is no stranger to hurricanes, and its residents have shown resilience and adaptability in the face of these natural disasters. By following the recommended guidelines and incorporating these preparations into your routine, you can confidently navigate the hurricane season and be better equipped to protect your home and loved ones.

Remember, the key elements to prepare for hurricane season in Florida are:

Review your insurance coverage and consider purchasing additional policies like flood or windstorm insurance.
Document Your Home and Possessions
Stay informed through reliable sources of information.
Secure your home by trimming trees, installing shutters, and reinforcing your roof.
Prepare for flooding.
Create an emergency kit of necessary supplies, including food, water, and medication.
Prepare for power outages.
Develop an emergency plan and communicate it with your family.
Follow evacuation orders if issued by local authorities.

By implementing these measures and staying proactive as you prepare for hurricane season, you can significantly reduce the potential risks associated with hurricanes and ensure the safety and well-being of yourself and your loved ones. Stay safe and be prepared!

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