6 Ways to Prepare for Hurricane Season
Hurricane season runs from June through November, and in South Florida, preparation isn't optional—it's essential. Beyond stocking up on water and batteries, financial preparation can make recovery from a storm much smoother.
1. Review Your Insurance Coverage
Don't wait for a storm warning to read your homeowner's or renter's insurance policy. Understand what's covered and what's not. Standard policies typically don't cover flood damage—you may need a separate flood insurance policy. Make sure your coverage amounts reflect current replacement costs.
2. Document Your Belongings
Walk through your home and photograph or video every room, including closets and storage areas. Keep a detailed inventory of valuable items with estimated values. Store this documentation in the cloud or in a waterproof safe—you'll need it if you ever file an insurance claim.
3. Build an Emergency Fund
After a hurricane, you may face expenses insurance doesn't cover: temporary housing, food when power is out, generator fuel, emergency supplies, and deductibles. Having 3-6 months of expenses in an accessible savings account gives you a critical buffer.
4. Prepare Important Documents
Keep copies of essential documents in a waterproof container or digital backup:
- Insurance policies and agent contact information
- Bank and credit union account numbers
- Identification documents (driver's license, passport, Social Security cards)
- Medical records and prescriptions
- Property deed or lease agreement
5. Have Cash on Hand
ATMs and card readers don't work without power. Keep a supply of cash in small bills at home for emergencies. A few hundred dollars can cover essentials during a power outage that lasts several days.
6. Know Your Credit Union's Emergency Resources
BrightStar Credit Union offers disaster relief options for members affected by hurricanes, including emergency loans, payment deferrals, and fee waivers. Save our number—(954) 486-1344—and know that we're here to help when you need it most.
The time to prepare is before the forecast turns serious. A few hours of planning now can save you days of stress later.
