Hurricane Insurance Checklist (Florida) — Be Ready Before June 1

Hurricane Insurance Checklist

1) Confirm What Your Insurance Covers

• Hurricane deductible
• Windstorm coverage
• Roof coverage language
• Loss-of-use coverage
• Flood policy status

2) Understand Wind vs Wind-Driven Rain vs Flooding

Wind affects structure. Wind-driven rain enters through openings. Flooding comes from rising water.

3) Record a Pre-Storm Video Walkthrough

Document exterior, roofline, front entry systems, windows, sliders, lanai openings, and each room. Upload to cloud storage.

After the Storm

Document before cleanup, mitigate damage, file claim early, and maintain a claim log.