Hurricane Season Starts June 1 — Is Your Insurance Ready?

By: The Clearvue Insurance Team 

​Florida’s hurricane season officially begins on June 1, and if the past few years have taught us anything, it’s that being prepared isn’t optional — it’s essential. Stronger storms and unpredictable weather mean your insurance coverage needs to be reviewed before the skies darken. 

At Clearvue Insurance, we help Florida homeowners, renters, and business owners get ahead of the storm — literally. Here’s what you need to know to protect your property, your finances, and your peace of mind this season. 

✅ 1. Review Your Current Coverage 

Don’t assume your existing policy covers hurricane damage. Here's a quick checklist to go over with your agent: 

• Does your homeowners or renters insurance include windstorm coverage? 
• Have your dwelling limits kept up with the rising cost of materials and labor? 
• Are detached structures (like sheds, garages, or fences) included? 
• Do you have loss of use coverage if you're forced to evacuate or your home becomes unlivable? 

If you're unsure, we can help break it down. 

🌊 2. Consider Flood Insurance — Even If You’re Not in a Flood Zone 

Here’s the truth: flooding isn’t covered under standard homeowners or renters policies. 

Florida is flat, coastal, and vulnerable — and nearly 25% of flood claims come from outside high-risk areas. A separate flood insurance policy (through the National Flood Insurance Program or private carriers) can offer much-needed protection, especially if your home is near lakes, canals, or low-lying areas. 

📝 3. Create a Home Inventory for Easier Claims 

Storm damage is stressful enough — don’t let documentation slow down your recovery. Take 15 minutes to: 

• Walk through your home with your phone and record a video of your belongings 
• Save receipts or serial numbers for big-ticket items 
• Upload photos or documents to cloud storage or email them to yourself 

Having this ready makes filing a claim faster, easier, and more accurate. 

📅 4. Update Your Policy Before It’s Too Late 

Here’s a little-known fact: Insurance carriers often stop binding new coverage when a named storm is approaching. That means once a hurricane is on the radar, you might not be able to make changes, add flood protection, or start a new policy. 

The best time to prepare is now — while the skies are still clear. 

🔍 Not Sure Where to Start? We’re Here to Help. 

At Clearvue Insurance, we serve Winter Haven and the surrounding Florida communities with personalized guidance. Whether you need to review your current policy or explore new options, we’re just a phone call away. 

📞 Call us at (863) 866-8990 or request a free quote today. 

Let’s get storm-ready together.