HURRICANES DON’T CARE ABOUT YOUR EXCUSES—PROTECT YOURSELF NOW!

 

Let’s get one thing straight—when a hurricane comes roaring through, it doesn’t care about your plans, your business, your homes or your excuses. Insurance companies start to put moratoriums in place when the storm is a day or two away of hitting.  So, if you wait until the last minute to try and fix your inadequate insurance coverage that you have been ignoring it is already too late.  The storm blows in and tears through your home, business, your investments, collections, cars, your livelihood, etc. without a second thought. The question isn’t if the next big storm will hit—it’s when. Whether you believe in global warming or cooling or not doesn't matter.  What we can all agree on is that hurricanes are becoming more frequent and higher intensity in the last 20 years.  If you’re not prepared, you’re gambling with everything you’ve worked for.

 

The Harsh Reality: Hope is NOT a Strategy

 

Too many people live in denial, thinking, “It won’t happen to me.” That’s not a winner’s mindset. Successful people—business owners, investors, homeowners—don’t sit around hoping they’ll be fine. They strategize, they prepare, and they get the right protection in place BEFORE disaster strikes. Then plan for the worst and can hope for the best, but the people who come out on top know that hope is not a business plan.  If you are not running your family's household like a business and protecting your most important assets you could end up on the bottom.  

 

With storm season now upon us and literally news coming out yesterday of a 1000 year storm event sweeping across the great plains of the US and midwest you should wake up and take action.  If you own a home, a business, or rental properties in a hurricane-prone area, your number one priority should be securing the right insurance coverage NOW. Not tomorrow, not next week—NOW.

 

Your Insurance Policy: The Only Thing Standing Between You and Financial Ruin

 

Let’s talk about the three critical types of insurance you need to survive the storm and come out financially intact:

 

1. Homeowners Insurance—Your First Line of Defense

Your home is likely your biggest asset. But here’s the catch: not all homeowners policies cover hurricane damage. Read that again. If you’re assuming you’re covered, you might be in for a nasty surprise. Make sure you have coverage for wind damage, flood damage, and additional living expenses in case your home becomes uninhabitable.

 

2. Flood Insurance—Because Most Homeowners Policies WON’T Cover It

Here’s a fact most people ignore: standard homeowners insurance DOES NOT cover flood damage. If a hurricane brings in storm surges and floods your home, you could be footing a six-figure repair bill out of pocket. The time to get a flood insurance policy is before the storm is on the radar—because once a hurricane is named, it’s too late.

 

3. Business & Commercial Property Insurance—Because a Hurricane Can Wipe Out Your Livelihood

If you’re running a business and you don’t have a solid insurance policy in place, you’re asking for bankruptcy. Commercial property insurance will protect your building, equipment, and inventory, while business interruption insurance ensures that you still have income coming in while you rebuild.

 

What’s Your Excuse?

 

“I don’t have time to review my policy.” — Translation: I’m okay with losing everything.

 

“I’ll do it later.” — There might not BE a later.

 

“It’s too expensive.” — You know what’s REALLY expensive? Paying for hurricane damage out of pocket.

 

The bottom line? You have two choices:

1. Be proactive. Get the right insurance now and sleep soundly knowing you’re covered.

2. Be reactive. Ignore the warnings, roll the dice, and pray you don’t end up on the evening news crying about how you “lost everything.”

Take Action NOW

 

Hurricanes don’t wait for anyone. Neither should you. Review your insurance coverage today and make sure you’re protected against the inevitable. If you’re not sure if you’re covered, or if you KNOW you need better coverage, reach out to me. Let’s make sure you’re fully protected before the next storm hits.

 

📞 Call us today at 972-724-3222. Waiting until the last minute isn’t a strategy—it’s a disaster waiting to happen.