
With the recent hurricanes and tropical storms, it’s essential for homeowners in Daphne, AL, to be prepared, especially regarding insurance coverage. Many homeowners unknowingly make mistakes that can leave them vulnerable during and after a storm. At Thomas, Harrison & Associates Insurance Agency, we want to help you avoid these common pitfalls. Here are the top five insurance mistakes homeowners make during hurricane season and how to prevent them.
1. Neglecting to Review Insurance Policies
One of the most significant mistakes homeowners make is not reviewing their insurance policies before hurricane season. Many policies contain specific exclusions and limitations regarding hurricane-related damage, such as flooding or wind damage. To make sure you’re adequately covered, take the time to review your policy and understand what is included. If you find any gaps in coverage, consider discussing your options with an insurance agent to make necessary adjustments.
2. Underestimating the Importance of Flood Insurance

Many homeowners in Daphne mistakenly believe that their standard homeowner's insurance policy covers flood damage. In reality, most policies exclude flood coverage, which can lead to severe financial losses if a hurricane brings flooding to your area. Given Daphne’s proximity to Mobile Bay and the Gulf Coast, it’s crucial to invest in separate flood insurance. Contact us today for information about available flood insurance options in your region.
3. Ignoring the Impact of Hurricane Deductibles
Hurricane deductibles are often higher than standard deductibles, and homeowners may overlook this detail when purchasing insurance. Many policies include a separate deductible for hurricane damage, typically calculated as a percentage of your home’s insured value. It’s essential to understand how this deductible works and how it could impact your out-of-pocket costs following a storm. Be sure to factor this into your financial planning before hurricane season hits.
4. Failing to Create a Home Inventory
After a hurricane, documenting your losses can be challenging, especially if you don’t have a comprehensive home inventory. Many homeowners neglect to create an inventory of their possessions which makes it difficult to claim for damages or lost items. Take the time to walk through your home and record each room’s contents, including photos and receipts. This inventory will streamline the claims process and ensure you receive the compensation you deserve.
5. Delaying Claims Filing After a Storm

Finally, one of the most common mistakes homeowners make is delaying filing their insurance claims after a hurricane. The sooner you report your claim, the faster the claims process can begin. Many insurance companies require prompt reporting, and delays can lead to complications or even denial of your claim. After a storm, reach out as soon as it is safe to do so to begin the claims process.
Contact Thomas, Harrison & Associates Today!
By avoiding these common insurance mistakes, homeowners in Daphne, AL, can better protect themselves and their properties during hurricane season. At Thomas, Harrison & Associates Insurance Agency, we’re here to help you navigate your insurance needs and ensure you have the right coverage in place. Don’t wait until it’s too late—contact us today to review your policy and make any necessary adjustments. Stay safe and prepared this hurricane season!