Hurricane Support Hub
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Expert Insights & Resources
In the ever-changing insurance landscape, ensuring that you have the knowledge and resources needed to support you is paramount. The Liberty Company stands ready to guide you.
Review your policy, check your windstorm and flood coverage, and make sure your deductibles and limits are up to date.
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Take photos of your property and store them securely in the cloud or on a backup drive. This makes filing a claim easier and more accurate.
Follow all local evacuation and shelter-in-place guidance. Do not attempt to travel once a storm has begun.
Monitor NOAA weather alerts or emergency notifications from local authorities via radio, TV, or mobile apps.
Do not attempt to repair property or assess damage while the storm is still active. Wait until it is fully safe to re-enter your home or business.
Keep flashlights, batteries, medications, important documents, food, and water easily accessible in case of power outages.
Contact your insurance carrier directly to file a claim. Then notify your Liberty advisor so we can help monitor and support the process.
Take photos before removing debris or damaged items. Make only temporary repairs to prevent further loss. Keep all receipts.
Insights That Strengthen Your Storm Strategy
From decoding coverage terms to avoiding common post-storm pitfalls, these expert articles are designed to help you reduce risk, prepare smarter, and recover faster.
Crucial Coverages
Let us help you prepare for the worst by protecting what matters most.
Earthquake & Flood
Earthquake & Flood Insurance
Business Interruption
Business Interruption Insurance
Frequently Asked Questions
Typically, yes for wind — but not for flood. A separate flood policy is required to cover water-related damage from storm surge or rainfall.
Many coastal policies have a higher deductible that only applies to named storm events. These are usually calculated as a percentage of the total insured value.
Underinsurance is a top concern. With rising property values and inflation, many policies haven’t been updated to reflect true replacement costs or business recovery needs.
Business interruption coverage may be included in commercial property policies, but only under specific conditions. It typically requires physical damage from a covered cause of loss. It’s important to confirm how your policy defines “triggering events.”
Stay Informed
Hurricane season runs through November 30, with peak activity from August to October.
We’ll continue to share relevant updates and preparedness tips throughout the season.
Check back here for new blogs and resources
Reach out to your Liberty advisor with any questions or to submit a claim