It Only Takes One Storm - Strengthen Your Property & Check Your Insurance Coverage To Prepare For Hurricane Season

“The forecast for below-average activity, while welcome news, does not mean residents in hurricane-prone states can let their guard down,” says Michael Richmond-Crum, Senior Director of Personal Lines at APCIA. “It only takes one storm to devastate communities and cause billions of dollars in damage, so it is critical to be prepared for the worst-case scenario.”

The following steps are low-cost ways homeowners can strengthen their property for Hurricane Season:

• Check around your home or business and trim back any nearby branches or trees, especially ones that hang over or close to your home.

• Inspect the roof and repair any loose or damaged shingles.

• Secure loose gutters and seal gaps and cracks around windows and doors to prevent water intrusion.

• Installing a wind-rated garage door or Hurricane Shutters and upgrading the home to the Insurance Institute for Business & Home

• Safety’s FORTIFIED construction standard are additional measures to consider.

In recent years, costs to repair and rebuild homes and businesses after a natural disaster have risen significantly due to inflation. The cost to rebuild a home has increased 47% for construction labor and materials on a cumulative basis since January 2020.

“As part of your Hurricane Season prep, take time to review your insurance policy and verify with your insurer or agent that your coverage is keeping pace with these cost increases,” added Richmond-Crum. “You want to make sure you have enough insurance coverage to rebuild or repair your home.”

When reviewing your insurance policy, consider the following:

• Carefully review your policy limits and deductible (i.e., the amount you will pay out of pocket if you have a claim), and make adjustments, if needed, to ensure you have an appropriate amount of coverage to recover if your property is damaged. Raising your deductible is one way to potentially lower your premium, but make sure you can afford the higher deductible and understand that any damage that falls below the deductible will be out of pocket.

• Ask if your policy pays replacement cost or actual cash value. Replacement cost is the amount necessary to rebuild your home with materials of like kind and quality (up to the policy limits), and actual cash value takes depreciation into account when the policy is paid.

• Evaluate your need for Flood Insurance. Flood Damage is typically not covered under a standard homeowners policy. Flood Insurance is available as a separate policy through the National Flood Insurance Program or the private market.

• Consider adding key additional coverages, such as automatic inflation guard, extended replacement cost, and building code/ordinance coverage.

Other steps to take to prepare for Hurricane Season:

• Make a home inventory using your cell phone to take pictures and videos of your home and your home’s contents.

• Gather copies of your home, auto, and Flood Insurance policies and keep them in a safe, accessible place.

• Save your insurer’s contact info to your phone’s contacts so you can easily and quickly start the claims process if your home is damaged.

• If your insurer has an app available, download it on to your phone for easy access to policy information.

“Natural disasters in recent years have caused billions of dollars in damages, which is a key reason why insurance costs have risen,” says Richmond-Crum. “To help improve the affordability of insurance long-term, we must make homes and communities stronger and more resilient against severe weather. Many insurers offer premium discounts for certain steps that homeowners take to reduce the potential for damage from a storm. Discounts vary by company, so talk to your insurer or agent to see what discounts are available.”

APCIA Resources for the 2026 Atlantic Hurricane Season

• APCIA’s Hurricane Headquarters - https://www.apci.org/56478/

• What to Do Before a Hurricane - https://www.apci.org/attachment/static/12722/

• What to Do After a Hurricane - https://api2.apci.org/attachment/downloadnsfile?id=12702&area=s

• Flood Insurance: What You Need to Know - https://api2.apci.org/attachment/downloadnsfile?id=12703&area=s

• Why Homeowners Insurance Costs Are Rising - https://www.apci.org/homeowners-insurance-cost-drivers/

• 87 Ways to Save Money on Homeowners Insurance - https://api2.apci.org/attachment/downloadnsfile?id=1923&area=s

The American Property Casualty Insurance Association (APCIA) is the primary national trade association for home, auto, and business insurers. APCIA promotes and protects the viability of private competition for the benefit of consumers and insurers, with a legacy dating back 150 years. APCIA members represent all sizes, structures, and regions—protecting families, communities, and businesses in the U.S. and across the globe.