A record-setting season is underway. Here’s what that means for your coverage — and how to stay ahead of the risk.
The 2025 Atlantic hurricane season is already raising red flags across the insurance industry — and for good reason.
According to leading forecasters, including NOAA and Colorado State University, this year’s season is expected to bring:
- 24 named storms (compared to a 30-year average of 14)
- 13 hurricanes, with 6 major hurricanes (Category 3 or higher)
- Over $100 billion in potential insured losses across the U.S.
What’s driving the surge? A combination of warmer-than-average Atlantic waters, the potential for La Niña conditions, and continued urban development in high-risk zones are all contributing to increased exposure — both physically and financially.
So what does that mean for Liberty clients? Now is not the time to assume you’re covered. It’s time to take a closer look.
Three Key Reasons to Review Your Coverage Now
1. Your Deductible Might Surprise You
Many clients assume their hurricane deductible is the same as their standard property deductible. But in most coastal states, that’s not the case. Hurricane and windstorm deductibles are typically percentage-based, not flat.
For example: If you have a 2% hurricane deductible on a $500,000 home, you’ll need to pay $10,000 out of pocket before coverage begins.
These deductibles are usually triggered by named storms and vary depending on your policy and location. If you don’t know what yours is — or how it’s calculated — now’s the time to ask.
2. Flood Damage Isn’t Automatically Covered
It’s one of the most common (and costly) misunderstandings we see. Most standard homeowners and commercial property policies exclude flood damage, even if the flooding is caused by a hurricane. That means rising water, storm surge, and sewer backup could all be left uncovered without a separate flood insurance policy in place.
If you’re unsure whether you have flood protection — or if your current coverage limits reflect today’s rebuild costs — your Liberty advisor can help you sort it out.
3. Underinsurance Is a Real Risk
Construction and labor costs have risen significantly over the last few years. If your policy hasn’t been updated to reflect those increases, you could be underinsured — and not by a small margin. This is especially critical for high-net-worth homes and commercial properties with specialized structures or systems.
Coverage gaps often surface at the worst possible time — after a loss. A proactive check-in now can help avoid painful surprises later.
Don’t Wait for a Storm Warning to Prepare
One of the most important things you can do this season is schedule a quick policy review with your Liberty advisor. We’ll walk you through your current coverage, flag any gaps or hidden triggers, and help you make informed decisions — all before the winds pick up.
Your peace of mind is our priority.
Contact your Liberty advisor today to review your coverage before the next storm forms — or visit https://libertycompany.com/contact/ and we’ll connect you with the right person.
