If you’ve lived in South Florida for more than a minute, you know how it goes: the skies darken, the wind picks up, and suddenly every store is out of bottled water and toilet paper.
Hurricane season is just part of life down here. And when it comes to protecting your home, waiting until the last minute is one risk you don’t want to take.
At Florida 1st Insurance, we get calls every year from homeowners who realize too late that they’re underinsured, missing critical coverage, or paying way too much for a policy that doesn’t offer real peace of mind. That’s why we’re here to remind you:
Now is the time to review your homeowners insurance—before the storms roll in.
Don’t Wait Until a Storm Is Named
Once a hurricane is officially on the radar, most insurance companies won’t write or change policies until the storm has passed. That means if your current coverage is lacking—or if you don’t have a policy at all—you’re out of luck until the storm is over.
Even then, you may be facing higher rates or stricter underwriting guidelines.
Is Your Current Policy Hurricane-Ready?
Many homeowners don’t realize that a standard policy might not cover everything—especially when it comes to storm-related damage. Here are some important considerations:
- Windstorm coverage is often separate or has a higher deductible
- Flood insurance isn’t included in most homeowners policies
- Some older roofs or homes may require updates and/ or inspections to qualify for better rates
What You Can Do Today
Before hurricane season hits its peak, take 30 minutes to do a quick policy check-up. Ask yourself:
- Do I know what my hurricane deductible is?
- Do I have flood insurance?
- Has my home been updated (roof, windows, plumbing)?
- Am I overpaying for outdated coverage?
If you’re not sure about any of these—that’s where we come in.
Florida 1st Makes It Easy to Get Storm-Ready
We’re local. We know what South Florida homeowners face every year. And we specialize in helping you:
✅ Find a better rate for the same (or better) coverage
✅ Add flood insurance before it’s too late
✅ Qualify for wind mitigation credits
✅ Bundle home and auto for even more savings
Get Peace of Mind Before the First Storm Hits
Hurricane season doesn’t wait—and neither should you. Let Florida 1st Insurance help you prepare before the next storm is named.
Call us today to review your homeowners insurance and make sure your policy is ready for anything.