Florida hurricane season is active June 1 through November 30. Are you and your policy truly ready? This complete guide covers everything Treasure Coast homeowners need to know before, during, and after a storm.
🌀 The NFIP flood insurance 30-day waiting period means you must act NOW — before a storm is named. Call (772) 444-8182 today.
Standard HO-3 policies explicitly exclude flood damage. A separate NFIP or private flood policy is required. With the 30-day NFIP waiting period, you must purchase well before storm season.
Florida wind deductibles are a percentage of your dwelling coverage, not a flat dollar amount. On a $400,000 home with a 2% wind deductible, you pay $8,000 out of pocket before your insurance kicks in.
An Assignment of Benefits transfers your claim rights to a contractor. AOB fraud has cost Florida billions. Call HBK Insurance Group before signing anything after a storm — no exceptions.
NFIP policies have a mandatory 30-day waiting period before coverage takes effect. Once a storm is named or watches are issued, it is too late. Private flood insurance may offer shorter waiting periods.
Walk through your home on video and photograph all valuables, appliances, and personal property now. Store the footage in the cloud or off-site. This documentation is critical for any future claim.
A licensed wind mitigation inspection can significantly lower your hurricane deductible and annual premium. HBK Insurance Group can connect you with a qualified inspector in the Treasure Coast area.
Do not re-enter until authorities declare your area safe.
Document ALL damage with photos and video before any cleanup.
Make only emergency temporary repairs — keep every receipt.
Call HBK Insurance Group at (772) 444-8182 before calling your carrier.
Do NOT sign any Assignment of Benefits (AOB) documents.
File your claim with your carrier as soon as possible.
Keep a written log of all claim-related calls and correspondence.
Do not accept a final settlement until all damage is fully assessed.
Once a tropical storm or hurricane is named, NFIP and most private flood carriers stop accepting new applications. If you do not have flood coverage today, call us now.
📞 Call (772) 444-8182 NowLet our Treasure Coast agents make sure you are fully protected before the next storm threatens. We will check your flood coverage, wind deductible, and every gap in between.