How to Protect Your Home for Hurricane Season in Florida

A RAMCO Insurance Guide | Trusted Hurricane Protection for Florida Homes

🌪️ In Florida, Hurricane Season Isn’t a Possibility—It’s a Guarantee

From June through November, Florida homeowners face the constant threat of tropical storms and hurricanes. Every year, we see intense wind, flying debris, torrential rain, and flooding damage properties across Miami-Dade, Broward, and beyond.

At RAMCO Insurance, we want you to be ready before the storm hits—not after.

🛡️ Why Proper Insurance Is a Must for Florida Homeowners

Florida’s tropical climate makes it especially vulnerable to storm damage. Here’s why you should review your coverage now:

🏠 Homes are exposed year-round to high winds, rain, and storm surges
💸 One hurricane can cause thousands—or even hundreds of thousands—of dollars in damage
📉 Underinsurance is common: Many homeowners discover too late that they don’t have enough coverage for total loss or temporary living expenses

You don’t have to be one of them. Let RAMCO help you prepare.

✔️ Essential Coverages Every Florida Homeowner Should Have

Not all insurance policies are created equal. Here’s what you need to know before hurricane season:

1. Homeowners Insurance

Covers the structure of your home, your personal property, and potential liability
Protects against wind damage, fallen trees, and debris
⚠️ Flooding is usually not included

2. Hurricane/Windstorm Deductibles

Florida policies typically include a separate deductible for hurricane damage
This is often 2–10% of your home’s insured value
💡 Know your deductible before the storm—it can significantly impact your out-of-pocket costs

3. Flood Insurance

Required for high-risk zones and strongly recommended across the state
Can be purchased through the NFIP or private flood insurers
Covers storm surge, rising water, and flooding from rain—not wind damage

4. Loss of Use Coverage

Pays for temporary housing, meals, and relocation if your home is unlivable
This protection is essential if you’re displaced after a storm

💡 RAMCO Insurance: Your Hurricane Prep Partner

At RAMCO Insurance, we do more than offer quotes. We educate, prepare, and empower our clients to make smart decisions about coverage.

When you choose RAMCO, you get:

✅ Guidance from local Florida insurance experts
✅ Help understanding hurricane deductibles and exclusions
✅ Policy reviews to ensure you’re not underinsured
✅ Support when filing claims after a disaster

📞 One call could save you thousands in storm recovery.

🗓️ When Should You Review Your Policy?

The best time to prepare for a hurricane is before it’s on the radar.

That’s why we recommend all RAMCO clients do an annual hurricane insurance review in May or June—well ahead of the peak season.

Our agents help you:

Identify gaps in your current policy
Add flood insurance if needed
Check your deductible options
Understand what to expect if a claim is needed

📍 Why It Matters in Florida

Florida RVers face unique risks — from hurricanes and flooding to theft in high-traffic campgrounds. If your RV is damaged or broken into, you don’t want to find out too late that your belongings weren’t covered.

That’s why at RAMCO, we review your lifestyle, usage, and travel habits to tailor a policy that protects you, your vehicle, and your valuables.

🔐 Don’t Wait Until the Storm Hits—Get Protected Today

Florida’s hurricane season is unpredictable, but your insurance coverage doesn’t have to be. Whether you’re a homeowner in Miami, Fort Lauderdale, or Palm Beach, RAMCO Insurance is here to help you stay ready and secure.

📍 Serving all of South Florida
📞 Call: (305) 820-0350
📧 Email: info@ramcoinsurance.com