As National Hurricane Preparedness Week commences, AAA – The Auto Club Group is sounding the alarm, urging residents to take immediate action to protect their homes, vehicles, and loved ones before the next storm threat emerges.
The call for preparedness comes on the heels of the 2024 Atlantic hurricane season, a stark and costly reminder of the power of natural disasters.
The 2024 season, ranking as the third costliest on record with a staggering $129.7 billion in damages and featuring multiple Category 5 hurricanes, underscored the vulnerabilities faced by communities in the path of these powerful storms.
“The severity of the 2024 hurricane season was a stark reminder of how vulnerable we are to natural disasters,” said Jennifer Pintacuda, President of AAA’s Florida-based insurance companies. “Now more than ever, it’s crucial for residents to revisit their insurance policies and ensure they are fully protected before the next storm approaches.”
Interestingly, a recent AAA survey highlights a rising tide of concern, with 28% of Floridians reporting feeling more anxious about potential storms this year compared to last. While the majority are taking preparedness seriously – 84% indicating advanced preparations – the survey reveals a critical gap in financial readiness.
According to the survey, 59% of respondents have purchased supplies like batteries and portable chargers, and 51% have stocked up on extra food and water. Additionally, 37% have taken steps to protect their property. However, a concerningly low 29% have reviewed their insurance coverage.
“Financial protection is just as vital as stocking up on supplies,” Pintacuda emphasized. “Having the right coverage can make all the difference when disaster strikes.”
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A key step in hurricane preparedness is a thorough review of insurance policies. Homeowners should confirm their coverage limits adequately reflect current home rebuilding costs. Crucially, flood insurance, which typically has a 30-day waiting period before taking effect, is essential as standard homeowner policies generally exclude flood damage.
Vehicle owners are also urged to consider comprehensive auto coverage. “Your car is just as vulnerable as your home during severe weather,” Pintacuda added. “Comprehensive coverage ensures you’re protected in case of flooding or debris damage.” AAA also notes that insurance providers often impose moratoriums restricting policy changes when a storm is imminent, making a proactive review vital.
Understanding deductibles is another critical component of financial preparedness. Many homeowners may not be aware that hurricane deductibles differ from standard deductibles. Instead of a fixed dollar amount, they are typically a percentage of the home’s insured value, often ranging from 1% to 5%. For example, a home insured for $300,000 with a 2% hurricane deductible would require a $6,000 out-of-pocket expense before insurance coverage applies. In Florida, policyholders are required to pay this deductible only once per calendar year, regardless of the number of storms.
Beyond insurance, fortifying your home is a crucial step in mitigating damage and potentially lowering insurance premiums. The Insurance Institute for Business & Home Safety (IBHS) offers recommendations across different cost tiers:
Low-Cost Options (Under $500):
- Caulk gaps and cracks around windows, doors, and vents.
- Anchor outdoor furniture and décor or bring them inside.
- Trim trees and remove loose branches.
Medium-Cost Options ($500-$3,000):
- Replace entry doors with impact-rated models.
- Service your garage door annually or upgrade to a wind-rated door.
High-Cost Options ($3,000 and up):
- Replace windows with impact-resistant glass or install hurricane shutters.
- Re-roof to a FORTIFIED Roof standard.
- Purchase a whole-house generator.
Actual costs can vary based on home size, materials, and local labor rates.
“Hurricanes are unpredictable, but your safety doesn’t have to be,” Pintacuda concluded. “Understanding your insurance, securing your home, and making a solid plan can make all the difference. If you take action now, you can face the season with confidence, knowing you’re protecting what matters most.”
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