08/20/2026
As we move through hurricane season, our team at The Sullivan Agency is encouraging homeowners to take a few minutes to look over their insurance coverage. A quick review now can make a big difference when a storm is on the way.
Here are a few key areas worth revisiting:
• Hurricane deductibles: Some policies apply a separate deductible based on a percentage of your home’s insured value. Make sure you understand what triggers it and what your out-of-pocket cost could be.
• Flood and windstorm coverage: Flood damage typically requires a separate policy, and certain wind-related events may not be covered under standard homeowners insurance. Knowing where any gaps exist helps you stay prepared.
• Claims readiness: Before a storm, document the condition of your home. Afterward, take photos and videos of any damage before cleanup begins, and keep receipts for repairs.
If you're unsure where to start or want help reviewing your policy, our team is here to guide you. Reach out anytime to talk through your coverage.