6. Hurricane Prep 101: Insurance Checklist Before the Storm Hits

When a hurricane is approaching, it’s often too late to make major insurance changes. That’s why preparation—well before the season starts—is crucial.

Why It Matters
Most insurance carriers will place binding restrictions once a storm is named or within a certain distance of landfall. That means you can’t buy new coverage or increase existing limits during that time. Being ready in advance is the only way to guarantee protection.

How It Impacts You
If your policy is missing flood coverage, you’re underinsured on personal property, or you haven’t documented your belongings, you may struggle to recover after a storm. An incomplete or outdated policy could leave you financially vulnerable.

Be Proactive
Create an insurance prep checklist:

• Review your homeowners, auto, and flood policies
• Understand your deductibles
• Take updated photos or video of your home and belongings
• Store policies and contact numbers digitally and physically
• Confirm additional living expense coverage

How Mappus (Afore) Helps
We make preparedness simple. Our advisors walk you through a personalized checklist and ensure your policies are current, complete, and hurricane-ready. You’ll know exactly what you have and what to expect if disaster strikes.

It’s not just about weatherproofing your home—it’s about weatherproofing your finances. Let Mappus/Afore help you prep your insurance plan before the first storm forms. Schedule your readiness review today.