The Atlantic hurricane season runs from June 1 to November 30, but tropical storms and hurricanes can form at any time of the year. In fact, a recent study by the Center for Southern Studies showed that tropical storms are forming almost every month of the year in the Gulf of Mexico.
During a hurricane, coastal areas can expect flooding, heavy winds, and heavy rain. Whether or not a hurricane makes landfall, it is important to understand your risk for damage and take steps to prepare your home for the storm.
Having homeowners insurance coverage with a hurricane deductible can help ensure your coverage is enough to cover your property's damages in the event of a hurricane. Most insurance companies offer windstorm deductibles that are separate from your standard homeowners policy deductible and apply specifically to wind and hail damage.
You'll need to get a homeowners insurance policy that includes hurricane coverage, and you should understand your home's deductible before a hurricane makes landfall. The deductible is typically a percentage of your home's coverage limit, usually between 1% and 5%.
Developing an evacuation and shelter plan can make it easier for you to leave your home and find safe locations during a hurricane. It is also essential to listen to local officials for instructions and evacuation orders.
