Weathering Hurricane Season with Proper Protection

Passport and Policy

Understanding the Risks

Hurricane season, generally running from June 1st through November 30th, poses significant risks to areas prone to these powerful storms. They can bring destructive winds, heavy rainfall, flooding, and even spawn tornadoes. For homeowners, businesses, and individuals residing in these areas, understanding these risks is the first step towards ensuring adequate protection.

Homeowners insurance often provides coverage for wind damage from hurricanes. However, damage from flooding – a common occurrence during hurricanes – is typically not covered under a standard homeowner’s policy. It’s essential to understand your policy and its limitations to ensure you have the necessary coverage.

Given the exclusions in standard homeowners policies, flood insurance becomes a crucial addition for hurricane-prone areas. It can cover damages to your property and belongings caused by flooding during a hurricane. Remember, it usually takes 30 days for a new flood insurance policy to take effect, so don’t wait until a storm is imminent to secure coverage.

Auto Insurance: Protecting Your Vehicle

Comprehensive auto insurance is another consideration during hurricane season. It covers damage to your car from weather-related events, including hurricanes. If you live in a hurricane-prone area, this coverage can offer valuable protection for your vehicle.

For business owners, hurricanes can lead to significant interruptions that impact revenue. Business interruption insurance can provide coverage for lost income and operating expenses if your business is forced to close due to a hurricane or other covered peril.

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Evacuation and Travel Insurance

If a hurricane threatens your area, you may need to evacuate, leading to unexpected travel and accommodation expenses. Travel insurance policies with trip cancellation or interruption coverage can provide some protection for these costs.

Beyond insurance, it’s important to prepare for hurricane season by creating an emergency plan, stocking up on supplies, and ensuring your home is as storm-resistant as possible. Preparation can significantly reduce the potential damage and stress when a hurricane hits.

Hurricane season can be daunting, but with the proper protection in place, you can weather the storms with peace of mind. Make sure your insurance coverage meets your needs, and take steps to prepare your home, family, or business for whatever the season may bring.

Call a Tower Street Insurance Agent about Travel Insurance Today!


 Our agents here at Tower Street Insurance can assess your current coverage for all of your loss control, personal insurance, and business insurance needs. 

We would love to set up a meeting to go over your coverage with you and provide you with a coverage gap analysis completely free of charge! Reach out to us today to schedule a meeting and get a quote today.



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5001 Spring Valley Rd., Ste. 500W
Dallas, TX 75244

Mailing Address:
P. O. Box 803506
Dallas, TX 75380


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