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Hurricane Insurance Preparation Cheat Sheet

June 18, 2026 · The Clime Team
Hurricane Insurance Preparation Cheat Sheet

As hurricane season approaches, it's crucial to ensure your insurance coverage is comprehensive and up-to-date. Proper preparation can safeguard your property and provide peace of mind during severe weather events.

1. Review Your Homeowners Insurance Policy

  • Understand Coverage Limits: Verify that your policy covers the full replacement cost of your home and belongings.

  • Check for Windstorm and Flood Coverage: Standard policies may not cover windstorm or flood damage. Consider adding these coverages if they're not included.

  • Know Your Deductibles: Hurricane deductibles are often separate from standard deductibles and can be a percentage of your home's value. Understand these amounts to prepare financially.

2. Document Your Property

  • Create an Inventory: List all personal belongings, including descriptions and serial numbers. Photographs or videos can be invaluable during the claims process.

  • Store Documentation Safely: Keep copies of your insurance policies, inventory lists, and important documents in a secure, waterproof location or digital format.

3. Understand Additional Living Expenses (ALE)

  • Coverage Details: ALE covers costs like temporary housing and meals if your home becomes uninhabitable. Review your policy to know the limits and conditions.

4. Prepare for Flooding

  • Separate Flood Insurance: Flood damage typically requires a separate policy. Be aware of any waiting periods before coverage becomes effective.

  • Elevate Valuables: Store important documents and valuables in elevated areas to minimize flood risk.

5. Stay Informed and Updated

  • Regular Policy Reviews: Annually assess your coverage to ensure it aligns with current property values and potential risks.

  • Consult Professionals: Engage with insurance agents or advisors to clarify coverage options and make informed decisions.

By proactively addressing these areas, you can enhance your preparedness for hurricane season and ensure that your insurance coverage effectively protects your home and assets.

(mid.ms.gov)

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