Hurricane Season Isn’t Over: What Florida Homeowners Still Need to Check Right Now

September is the peak of hurricane season in Florida, and many homeowners mistakenly think that once summer ends, the risk fades. In reality, September is historically the most active month for hurricanes in the Atlantic.

If you live in Ponte Vedra, Jacksonville Beach, Nocatee, or St. Johns County, now is the time to double-check your coverage — not after a storm is named.

Here’s what to review immediately:

1. Windstorm Coverage

Many Florida homeowners don’t realize their policy has a separate hurricane deductible. That deductible is often 2–5% of your home’s value, not a flat dollar amount.

2. Flood Insurance

Flood damage is not covered under standard homeowners insurance. With rising tides, storm surge, and heavy rainfall, flood claims are one of the most common losses in Northeast Florida.

3. Roof Age & Condition

Insurance carriers in Florida are tightening guidelines. Roof age can determine whether a claim is approved — or whether your policy renews at all.

4. Updated Home Inventory

Photos and videos of your home contents can make the claims process significantly easier if damage occurs.

The worst time to discover a coverage gap is after a storm. A quick policy review today can save you thousands later.