High-Value Insurance Guide

How to Prepare Your High-Value Home for Hurricane Season

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Quick answer: Hurricane preparation is both physical and insurance-related: harden the home and secure the grounds, and confirm you carry wind and separate flood coverage and have documented the property before the storm. Doing both protects your home and ensures a smoother claim if the worst happens.

A Season-Ready Plan

For coastal and near-coastal luxury homes, hurricane readiness is not a single task but a short checklist completed before the season starts. The most expensive surprises, an uncovered flood loss, a high wind or hurricane deductible, or a disputed claim from missing documentation, are all avoidable with preparation.

  1. Review your wind and flood coverage and deductibles. Confirm hurricane and named-storm deductibles and that you carry separate flood coverage, since homeowners excludes flood.
  2. Document the home and contents before the season. Photos, video, and an updated inventory create the proof a claim depends on.
  3. Harden the structure. Impact-resistant windows or shutters, roof reinforcement, and secured outdoor furniture and equipment.
  4. Protect systems and power. Elevate critical equipment and consider a backup generator.
  5. Know your additional living expenses coverage. Confirm ALE will sustain your lifestyle if you must evacuate or relocate.
  6. Keep a claims contact ready so you can report a loss immediately after the storm.

Frequently Asked Questions

Does homeowners insurance cover hurricane damage?
Wind damage is generally covered, often subject to a separate hurricane or windstorm deductible, but flooding and storm surge are not, those require flood insurance.
Is flood included in hurricane coverage?
No. Flood and storm surge are excluded from homeowners and wind policies and require separate NFIP or private flood coverage.
What is a hurricane or windstorm deductible?
A separate, often percentage-based deductible that applies specifically to named-storm or hurricane losses, distinct from your standard deductible.
What if I have to evacuate?
Additional living expenses coverage can pay for temporary housing and related costs, and in many cases applies even under a mandatory evacuation order.

Protect What You’ve Built

Our high-value home specialists will review your coverage and close any gaps. Schedule a complimentary, no-obligation consultation.

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Go Deeper

Flood Coverage

The protection homeowners and wind policies exclude.

Learn More ›

Additional Living Expenses Coverage

Maintaining your lifestyle if you are displaced.

Learn More ›

How to File a High-Value Personal Property Claim

What to do, and have ready, after a storm.

Learn More ›

Is Your Coastal Home Storm-Ready?

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