Hurricane Season Water Damage Guide

June – November Water Damage — Frequently Asked Questions

What water damage risks does June – November season bring to homeowners?

June – November water damage risks include: Storm surge (most deadly hurricane hazard — can exceed 20 feet in major landfalls); Wind-driven rain penetrating through roof damage and window gaps; Flooding from inland rainfall far from the coast; Mold colonization beginning within 24–48 hours post-flooding in Gulf Coast humidity. Peak risk months: August, September, October.

How do I prepare my home for June – November water damage?

June – November preparation checklist: 1. Photograph all personal property and store photos in cloud storage before storm 2. Move important documents (insurance policies, deeds, passports) to waterproof container 3. Locate your main water shutoff and electrical panel before power goes out 4. Document serial numbers and model numbers of all major appliances 5. Know your FEMA flood zone and whether your property requires mandatory flood insurance 6. Confirm your flood insurance policy — homeowners insurance does NOT cover storm surge 7. Clear gutters and downspouts of debris before peak season 8. Inspect roof for damaged or missing shingles before June 1

What should I do after June – November water damage?

After June – November water damage: 1. Do NOT enter a flooded home until authorities declare it safe and utilities are shut off 2. Photograph all exterior damage before any cleanup 3. Contact restoration company BEFORE calling insurer — restoration companies help document 4. Report claim to insurer within 24–48 hours — many policies have prompt notice requirements 5. Apply for FEMA Individual Assistance if a presidential disaster declaration is issued 6. FEMA application deadline is typically 60 days after disaster declaration — don't wait

Does homeowners insurance cover June – November water damage?

Standard homeowners insurance does NOT cover storm surge or flood water. NFIP or private flood insurance required for flood coverage. Has 30-day waiting period — buy now, not after.