When a hurricane is on the horizon, the decisions made in the days before landfall can significantly impact how quickly homeowners recover—and how successful their insurance claims will be. At 123 Adjusting, a certified public adjuster firm serving Miami and surrounding Florida areas, the mission is to help homeowners prepare, protect, and recover as efficiently as possible.

Whether it’s your first hurricane season or your tenth, brushing up on the do’s and don’ts of hurricane prep is essential. These simple steps can safeguard your property and improve your chances of a smooth claims process if damage does occur.

✅ Do: Document Everything Before the Storm

Take photos and videos of your home’s interior and exterior. This includes the roof, windows, garage, and major appliances. These records can serve as vital evidence when filing a homeowners insurance claim.

• Store your digital files in the cloud or email them to yourself.
• Include receipts or appraisals for valuables if possible.

❌ Don’t: Wait Until the Last Minute to Secure Coverage

Florida homeowners should review their insurance policies before hurricane season starts. Once a storm is named, it’s typically too late to make changes or obtain new coverage. Work with a trusted public adjuster in Miami like 123 Adjusting to review your policy for potential gaps.

✅ Do: Protect Your Property

Installing storm shutters, reinforcing garage doors, and trimming tree branches are all proactive ways to reduce potential damage.

Additional protective measures:

• Use sandbags around entry points prone to flooding.
• Anchor loose outdoor furniture or bring it indoors.

❌ Don’t: Assume Everything is Covered

Many Florida homeowners assume wind or flood damage is automatically covered—but that’s not always the case. Policies often exclude flood damage unless you have separate flood insurance. A certified public adjuster can analyze your policy and explain your true coverage.

✅ Do: Save All Receipts

If you need to evacuate or make emergency repairs, keep every receipt. These expenses may be reimbursable under your insurance policy’s Additional Living Expenses (ALE) coverage.

❌ Don’t: File a Claim Without Guidance

Navigating an insurance claim can be overwhelming, especially post-hurricane. Insurance companies are focused on minimizing payouts. That’s where 123 Adjusting steps in—to advocate for you, the policyholder. With a team connected through a unique in-house networking system, every step of the claim is handled with expert support and communication.

✅ Hurricane Prep Do’s & Don’ts – Quick Checklist

Do:

• Take pre-storm photos
• Review your policy
• Install storm protections
• Save receipts
• Work with a public adjuster

Don’t:

• Delay coverage updates
• Assume flood is covered
• Leave valuables unprotected
• Handle complex claims alone

Conclusion: Be Prepared, Be Protected

Hurricane season in Florida is serious—but so is your right to a fair settlement. Don’t leave anything to chance. Let 123 Adjusting help you prepare now, so you’re not overwhelmed later. When the storm clears, having a certified public adjusting team on your side makes all the difference.

Call (877) 463-7429
Visit 123adjusting.com
Email: CLAIMS@123ADJUSTING.COM