Hurricane Season Starts June 1st – Is Your Insurance Ready?
June 1st marks the beginning of hurricane season in Florida, a critical time for homeowners across Southwest Florida and the Gulf Coast. At Ted Todd Insurance, we’re here to help you prepare for hurricanes, review your home insurance, and act with confidence when storms roll in.
What to Expect This Season:
The 2025 hurricane season is forecasted to be an above-average season. Even if it’s an “average” year, remember, it only takes one major hurricane in Florida to create life-changing impacts for families and communities.
Florida Insurance Readiness Tips:
Check your Florida homeowners insurance policy limits – Ensure your coverage is adequate for today’s rising property values and construction costs.
Understand your hurricane deductible – Know how much you’ll be responsible for out-of-pocket in the event of a named storm.
Know what’s not covered by standard insurance – Most standard Florida home insurance policies do not include flood insurance. A separate flood insurance policy is crucial, especially in high-risk flood zones.
Document your belongings for insurance claims – Take photos or videos of your home’s interior, furniture, electronics, and other valuables.
Store copies of your insurance documents – Use cloud storage or keep them in a waterproof/fireproof safe for quick access.
Hurricane Preparedness Checklist – Your Quick Guide:
Essential Hurricane Preparedness Checklist:
✅ Review your home and flood insurance policies.
✅ Store copies of your policies digitally and physically.
✅ Stock up on non-perishable food and water (at least 3 days’ worth).
✅ Have a flashlight, batteries, and power banks ready.
✅ Fill up your car’s gas tank and extra fuel containers.
✅ Secure outdoor furniture and loose items.
✅ Check your roof and gutters for storm readiness.
✅ Know your evacuation route.
✅ Assemble a go-bag with essentials (meds, ID, cash, charger).
✅ Keep emergency numbers handy, including our claims hotline.
✅ Don’t forget to pack essentials for your pets (food, water, meds, etc.)!
For more Hurricane preparedness tips, check out our Florida hurricane preparedness checklist on our social media pages!
When a Storm Approaches:
Stay informed through the National Hurricane Center, weather apps, and local authorities. If an evacuation order is issued, don’t wait, leave early and bring your emergency go-bag, medications, and important documents.
We're Here for You – Florida Insurance Support
In the event of a storm, our priority is your safety and recovery. Our Florida-based insurance agents are ready 24/7 to support you before, during, and after the storm. At Ted Todd Insurance, we’re proud to serve homeowners across Naples, Fort Myers, Estero, Sarasota, and beyond.
