Hurricane season brings more than just wind and rain, it brings uncertainty. From power outages to property damage, hurricanes can leave behind a path of destruction that’s costly, stressful, and often overwhelming for homeowners.

But here’s the good news: Preparation makes all the difference.

At Crain Insurance Group, we believe that proactive planning isn’t just smart, it’s essential. The more you do before a storm arrives, the better chance you have of protecting your home, your belongings, and your peace of mind.

In this guide, we’ll walk you through exactly how to prepare your home for a hurricane, from the roof to foundation, along with how your insurance fits into the plan.

When Is Hurricane Season?

Hurricane season officially runs from June 1 to November 30, with peak activity typically between August and October. That gives homeowners a window of opportunity to prepare before severe weather is on the radar.

Strengthen Your Home Against Wind and Water

When it comes to hurricanes, wind and water are the main culprits behind home damage. Your preparation strategy should tackle both.

Inspect and Secure the Roof

Your roof is your home’s first line of defense. Weak shingles or loose flashing can be torn of during strong winds, allowing water to enter.

Schedule a professional roof inspection to check for:

• Missing or damaged shingles

• Loose flashing or vent caps

• Signs of aging or weakness Reinforce with:

• Roofing cement or sealant on vulnerable seams

• Hurricane straps or clips (if not already installed)

• Roof tie-downs for manufactured homes

Clean Gutters and Downspouts

Clogged gutters can’t divert rainwater effectively leading to water backing up onto your roof or pooling around your foundation.

• Clean out leaves, branches, and debris

• Make sure downspouts direct water at least 5 feet from your home

• Install gutter guards if you’re in a leafy area

Secure Windows and Doors

Strong winds can shatter windows and open poorly secured doors, increasing internal pressure and leading to severe structural damage.

Install:

• Storm shutters or plywood panels (⅝” thick at minimum)

• Impact-resistant windows (for long-term solutions) Reinforce:

• Door hinges and deadbolts

• Garage doors with vertical bracing kits

Garage doors are a major point of failure during hurricanes, reinforcing them can prevent catastrophic roof uplift.

Seal Cracks and Gaps

Even small openings can let in water. Sealing them helps protect the interior of your home. Use caulk or weather stripping around:

• Windows and doors

• Vents and pipes

• Electrical outlets and cable entry points

Check Sump Pumps and Drains

If your home has a sump pump, make sure it’s operational and has a battery backup in case of power loss. Also clear any drains near the home’s foundation.

Prepare the Outside of Your Property

Flying debris can turn even small items into dangerous projectiles. Securing your yard is just as important as reinforcing your home.

Trim Trees and Shrubs

Overgrown or dead branches can snap and crash into your home or power lines during high winds.

• Trim branches 6–10 feet away from your roof

• Remove dead or weak trees that are too close to the house

Anchor or Store Outdoor Items

Bring it inside:

• Patio furniture

• Potted plants

• Grills and outdoor décor

• Bicycles and tools Anchor:

• Sheds

• Playground equipment

• Above-ground pools

Think of everything outside as a potential flying object, if it’s not secured, store it or tie it down.

Protect HVAC Units and Generators

Cover your air conditioning unit with a manufacturer-approved cover and elevate backup generators if flood-prone.

Consider installing a cage or hurricane pad to prevent movement or damage.

Build a Hurricane Emergency Kit

If a storm knocks out power, you’ll need to be self-sufficient for at least 72 hours. Create an emergency kit with the following essentials:

Basic Supplies

• Flashlights and extra batteries

• First aid kit

• Manual can opener

• Non-perishable food and water (1 gallon per person per day)

• Battery-powered or hand-crank radio

• Cash (ATMs may be down)

• Cell phone chargers (including power banks)

Safety Items

• N95 masks

• Gloves

• Moist towelettes and hygiene supplies

• Fire extinguisher

Documents (in a waterproof bag or container)

• Insurance policies

• ID and passports

• Birth certificates

• Deed or mortgage info

• Medical records and prescriptions

Bonus: Include a printed list of emergency contacts and your insurance agent’s number.

Understand Your Insurance Coverage

Before hurricane season heats up, it’s crucial to know what your insurance does, and doesn’t cover.

Review Your Homeowners Insurance

Most standard homeowners policies cover wind damage but have a separate deductible for hurricane or named storm events.

Know:

• Your hurricane deductible amount (often a percentage of your dwelling limit)

• Whether windstorm coverage is included or excluded

• What’s covered under loss of use/additional living expenses

At Crain Insurance Group, we can review this with you in minutes. Don’t wait until after the storm.

Flood Insurance Is Separate

Homeowners insurance does NOT cover flooding from rising water or storm surge. Flood insurance must be purchased separately, typically through the National Flood Insurance Program (NFIP) or a private market carrier.

Flood coverage takes 30 days to go into effect unless tied to a home loan closing, so don’t delay.

Inventory Your Belongings

Before a storm hits, create a home inventory to simplify any future claims. Use your phone to:

• Record a walk-through of each room

• Take photos of high-value items

• Save receipts, serial numbers, or appraisals when possible Store a digital copy in the cloud and print one for your emergency kit.

Check Your Auto Insurance

If you live in a hurricane-prone area, make sure your auto policy includes

comprehensive coverage, that’s what protects against:

• Flooding

• Falling branches

• Flying debris

• Windshield damage

Liability-only plans won’t help if your vehicle is damaged during the storm.

Know What to Do Before and After the Storm

Before the Storm Hits

• Charge all devices and backup batteries

• Fill gas tanks in vehicles and generators

• Turn your refrigerator/freezer to the coldest setting

• Move valuables and electronics to higher ground

• Unplug appliances to prevent power surge damage

• Double-check that your insurance documents are accessible

If local officials issue an evacuation order, follow it. Property can be repaired. Lives cannot be replaced.

After the Storm

Once it’s safe to return and assess the damage:

• Document everything

• Take photos and videos before cleanup begins

• Keep receipts for repairs and temporary living expenses

• Contact Crain Insurance Group to report a claim, we’ll guide you through every step

Even minor damage should be documented, especially if there’s a chance of future issues like mold or roof leaks.

Final Thoughts: Preparedness Is Protection

Hurricanes are unpredictable, but your preparation doesn’t have to be. Taking smart, proactive steps now can save you time, money, and stress when the next storm comes.

At Crain Insurance Group, we’re here to help you plan ahead, protect your home, and recover quickly. From reviewing your policy to filing a claim, you’ll never have to navigate hurricane season alone.