Prepare for Hurricane Season: Insurance Tips for Homeowners

The official start of the 2026 Atlantic Hurricane Season brings predictions from the National Oceanic and Atmospheric Administration (NOAA) of below-normal activity. This year, NOAA forecasts 8-14 named storms, with 3-6 potentially reaching hurricane strength and 1-3 becoming major hurricanes.

The American Property Casualty Insurance Association (APCIA) underscores the need for preparation despite these forecasts. Michael Richmond-Crum, senior director of personal lines at APCIA, reminds homeowners that even a single storm can cause significant damage. It's crucial for homeowners to review their insurance policies and ensure sufficient coverage to manage risk effectively.

Homeowners' Preparation and Insurance Review

Homeowners should consider safety measures like trimming tree branches, inspecting roofs, and sealing windows to prevent water damage. Upgrading features such as garage doors or installing hurricane shutters can enhance home resilience. Ensuring insurance policies account for increased rebuilding costs, which have surged by 47% since January 2020, is vital according to Richmond-Crum.

Evaluating additional coverage needs, such as flood insurance not typically included in standard policies, is essential. Options are available through the National Flood Insurance Program and the private market. Maintaining a home inventory and having copies of policies can streamline the claims process. Employing insurer apps provides convenient access to policy information.

Taking proactive measures not only mitigates potential damage but may also qualify for premium discounts from insurers, as emphasized by Richmond-Crum. Engaging with insurers to explore these incentives can enhance policy affordability. The APCIA continues to advocate for resilient insurance markets, ensuring a robust safety net for consumers and insurers alike.