As we move into spring, now is the perfect time to prepare for the upcoming hurricane season. While the weather may be calm today, hurricane activity typically begins to ramp up in just a few short months. Once a storm is named, insurance carriers place binding restrictions that prevent new policies or coverage changes — leaving many homeowners unprotected when it matters most. At Massey, Clark, Fischer, our goal is to help clients stay ahead of these restrictions well before the first storm threat arises.


Review Your Current Coverage

Start by reviewing your homeowners, flood and windstorm policies. Confirm whether limits and deductibles are appropriate for your property’s value and risk exposure. Ensure that key structures — including secondary buildings, docks or outdoor improvements — are fully accounted for. Don’t forget to review your contents coverage and additional living expense benefits, which can be critical in the aftermath of a storm.

“Being proactive with your insurance isn’t just smart — it is essential. Once a storm is on the radar, your options become limited. Early preparation allows us to protect our clients with confidence, not urgency.” — H.W. “Hank” Massey, Jr., President, Massey, Clark, Fischer, Inc.


Act Before Binding Restrictions

Insurance companies impose binding restrictions when a tropical storm is approaching. During these moratorium periods, no new policies can be issued and no changes to existing policy can be made — even if your renewal is pending. If you have been considering increasing coverage or adding flood protection, now is the time to act. The window for binding coverage closes as soon as the storm enters the forecast cone.


Preparedness Beyond The Policy

While proper insurance is essential, preparedness extends beyond paperwork. Gather crucial documents, secure your home and update your emergency exit plan before the first hurricane threat. Create virtual soft-copies of your insurance paperwork and contact details for Massey, Clark, Fischer in a protected and easily reachable place. Taking these measures ensures you are ready for any scenario.


Every year, hurricane season brings uncertainty — but your coverage shouldn’t be one of them. By taking time now to analyze your insurance with Massey, Clark, Fischer, you can head into the season knowing you are well protected. We are a family-owned and operated company serving across Florida since 1958. Our team of advisors will help you identify gaps, make adjustments and suggest policies that align to your unique needs. Contact us to schedule a pre-season insurance review. 

Hank Massey Jr. majored in Insurance at the University of Florida and graduated with his B.S. in Business Administration in 1983. He earned his 2-20 General Lines Property & Casualty and Life & Health license at that time. He earned a distinction as Chartered Life Underwriter (CLU®) in October of 1994 and Chartered Property Casualty Underwriter (CPCU®) in March of 2000.

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.