Pre-Loss
Florida Hurricane Season Preparation Checklist
Four weeks before season, one week before landfall, and 48 hours before impact. Complete preparation list.
Four weeks before season, one week before landfall, and 48 hours before impact. Complete preparation list.
Pre-loss
Why this matters before you have a claim
Hurricane preparation is a months-long process that intensifies as a storm approaches. The right claim starts long before the storm forms. Documentation, mitigation, and policy review are the three pillars.
What to do
The basics
- 01
Step 1
Month before: policy review + pre-loss photos + home inventory update
- 02
Step 2
Two weeks: trim trees, check gutters, verify all shutters function
- 03
Step 3
Week of: test generators, fill propane, set up supplies, review evacuation route
- 04
Step 4
48 hours: install shutters or boards, elevate valuables, photograph property one final time
- 05
Step 5
24 hours: secure vehicles, document tie-downs, make evacuation decision
- 06
Step 6
After storm: document damage before any cleanup
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the traps
Common mistakes
- XWaiting until the watch is issued to start
- XAssuming last year's supplies are still good
- XSkipping pre-loss photos because you think you will remember
- XNot testing shutters until the storm is approaching
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
Prepare
Other pre-loss preparation guides
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Florida claim updates
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