As we approach the start of another hurricane season, Massey, Clark, Fischer would like to take this opportunity to remind you of the importance of being prepared. Our goal is not only to help you protect what matters most, but to also ensure that you are equipped with the right information and coverage for the season ahead. Being prepared might make all the difference in helping you avoid unnecessary losses and stress. 

Hurricane Season: June 1–November 30

In Florida, hurricane season starts from June and runs till November. While we hope to see minimal activity, it’s essential to be proactive. Hurricanes can bring heavy rains, winds and flooding that may cause severe damage. Preparation is key to minimizing risk and ensuring safety. Taking simple steps now can save you time, money and worry in the event of a hurricane. 

Important Tips to Help You Get Ready

• Review Your Insurance Policy

Now is the time to review your homeowners, flood and windstorm coverage. A timely review ensures that your coverage aligns with your current property value and potential risks. Many policies have waiting periods, especially for flood insurance so don’t delay. 

• Understand Your Deductibles

Florida policies often have separate hurricane deductibles. Know what yours is and how it could affect your out-of-pocket costs. Understanding your deductibles now will help you plan financially for unexpected expenses. 

• Secure Important Assets and Documents

Keep a detailed list of your valuables, along with their photos and receipts. Make digital copies of important paperwork and store them in cloud or secure drives. This documentation can expedite claims and protect your legal and financial interests. 

Flood Insurance — A Must-Have Coverage

Living in Florida makes you prone to hurricanes, tropical storms and heavy rains. Yet, many are unaware that standard homeowners insurance does not cover flood damage. Given Florida’s flat terrain and proximity to water, flood insurance is essential to protecting your home and finances. It typically has a 30-day waiting period before coverage takes effect, so don’t wait. Adding flood coverage now can prevent devastating financial loss later. 

At Massey, Clark, Fischer, we have been helping Florida families and businesses navigate hurricane season for more than 65 years. We understand the unique risks our communities face and are committed to ensuring that you are protected. We offer personalized policy reviews and guidance on coverage options so you can move into the season with confidence and clarity. Contact us for insurance solutions and resolve your queries.

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.