09/04/2026
Many homeowners first take a close look at their insurance policy after something has already gone wrong.
That is the hardest time to learn what your deductible is, what your policy requires after a loss, whether you have separate flood coverage, or how your insurer handles repairs.
Before the next storm:
• Find your current policy and declarations page.
• Identify your deductible.
• Check the contact information for reporting a claim.
• Understand whether flood coverage is separate.
• Keep a digital copy somewhere accessible outside your home.
Insurance policies are contracts, and the details matter. Knowing the basics before a loss can help you make more informed decisions when the pressure is high.
Questions about how a provision may affect an existing Florida property claim? The Hurricane Action Team can review the situation with you.