A proactive review can help ensure your coverage, documentation, and response strategy are storm-ready.
Hurricane season isn’t a one-time event — it’s a sustained period of elevated risk. And the most impactful storms often come later in the cycle, when attention may start to fade.
That’s why now is the right time to take a fresh look at your plan and ask: Am I truly prepared for what could happen?
Whether you’re a homeowner, landlord, or business owner, small steps today can prevent costly mistakes later — when time and resources are limited.
For Personal Clients: Refresh Your Readiness
1. Double-Check Your Policy
- Understand your windstorm and hurricane deductibles — are they flat or percentage-based?
- Confirm whether you have flood insurance and what your current limits are
- If you’ve renovated or made improvements, ensure your coverage reflects those changes
2. Update Your Property Documentation
- Take current photos or videos of key rooms, electronics, and valuables
- Store your home inventory securely — email it to yourself or upload it to the cloud
- Back up key documents (policies, ID, utility records) digitally
3. Reconfirm Emergency Contacts & Essentials
- Save your carrier and Liberty advisor contact info to your phone and share it with family
- Check your emergency kit — including medications, flashlights, chargers, and cash
- Talk through a storm plan with loved ones or roommates
For Business Clients: Strengthen Continuity and Communication
1. Review Your Commercial Policy Thoroughly
- Know your deductible amount and how it applies
- Understand the conditions required to trigger business interruption coverage
- Confirm if exclusions apply to flood, mold, or utility loss
2. Revisit Your Business Continuity Plan
- Identify storm response roles across your team
- Define key actions like securing property, shifting to remote work, or restarting operations
- Make sure your employees know what to expect — and who to contact
3. Protect Your Systems and Records
- Back up operational and financial records in the cloud
- Ensure you have remote access to insurance documents, contact info, and claims checklists
- Create a “storm playbook” your team can access even if systems go down
Preparedness Isn’t One and Done
Storms don’t follow calendars. They don’t wait for the right month. And they don’t care how prepared you meant to be. That’s why smart risk management requires periodic check-ins — especially when the season is still active and evolving.
Need help getting started? Schedule a policy review with your Liberty advisor — or contact our team directly at https://libertycompany.com/contact/ for personalized support.
