Is Your Home Ready for Storm Season? Here’s What Most People Forget

As the Gulf Coast heads into another storm season, we all know the basics: board up the windows, charge your phones, stock up on batteries. But at Thomas Harrison & Associates, we’ve seen that many homeowners forget a few crucial steps when it comes to protecting not just their homes, but their coverage.

Here’s a quick checklist to help you prep smart this season:

1. Double-Check Your Deductibles

   Not all deductibles are created equal. Especially when it comes to named storms. That hurricane deductible? It’s usually a percentage of your home’s insured value, not a fl at amount. That could mean thousands out of pocket if you fi le a claim. Be sure to know the numbers before the storm hits.

2. Get Your Camera Out

   Spend 15 minutes taking photos or videos of your home—inside and out. Save them to the cloud or email them to yourself. If you ever need to fi le a claim, having that documentation can speed things up and reduce stress.

3. Review Your Flood Coverage

   Standard homeowners insurance does not cover flood damage. And in Baldwin County, you don’t have to live in a flood zone to experience rising water. In fact, 25% of flood claims come from properties outside high-risk areas. If it rains, it can flood.

4. Update Your Home Inventory

   If you’ve upgraded electronics, appliances, or furniture recently, make sure your policy reflects that. Still listing your old 2008 plasma TV? Time for a quick refresh. Give us a call, and we can update your records in minutes.

5. Understand Your Policy—Before You Need It

   The best time to ask questions is now, not while navigating a claim. We’re happy to walk you through your policy line-by-line—no jargon, no pressure—so you know exactly what’s covered.

   
   

Your Home Isn’t the Only Thing That Needs Storm Prep

Storm prep isn’t just physical, it’s financial. Your insurance policy is your second layer of defense. Make sure it’s as strong as your hurricane shutters.

Need a second look at your coverage? Stop by our office or give us a call. We’re here to help—rain or shine.