Can You Get Property Insurance Right Before Hurricane Season in Fort Lauderdale?
As hurricane season approaches, you might be tempted to secure property insurance for the first time. Whether you previously self-insured or you’re a new homeowner, this might seem like the perfect opportunity to protect your home with a reliable policy. But is this really possible? Do insurance companies prevent people from getting policies right before hurricane season arrives? This is something you might want to discuss with an experienced property insurance lawyer in Fort Lauderdale.
Insurance Companies Don’t Sell Policies Right Before Storms Hit
Generally speaking, it is very difficult to get property insurance for your home immediately before the arrival of a major storm. Most property insurance companies stop selling policies 24 to 48 hours before storms arrive, according to TC Palm. The specific rules vary depending on the specific company, but this is relatively standard practice across the entire industry.
In fact, some property insurance companies do not sell any policies throughout hurricane season in Florida. Hurricane season in the Sunshine State starts in June and ends at the end of November. In Fort Lauderdale, storms usually become most dangerous from August to October. Some of the worst storms have hit Fort Lauderdale in September and early October.
Why Can’t I Buy Property Insurance Right Before a Major Storm?
Insurance is all about risk assessment. If a new policy is associated with a high level of risk, they are less likely to write that policy. This is especially true if the risk is imminent. When storm season is just a few weeks away (or if a major storm is about to make landfall), there’s a high chance that you’ll file a claim immediately after getting your new policy.
As a result, you might pay only one or two monthly premiums before incurring serious damage to your home. Insurance is only profitable if a company receives more income in premiums than it pays out in settlements. This should explain why it is very difficult to secure property insurance before a major storm.
As a result of these factors, you should try to get property insurance well in advance of storm season in Fort Lauderdale. Even if you’re confident that this year’s hurricane season won’t be that bad, you should consider the potential risk of serious storm damage.
Can a Property Insurance Lawyer in Fort Lauderdale Help Me?
At Fuxa & Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.
Sources:
tcpalm.com/story/news/2025/04/29/home-insurance-rates-florida-hurricane-season-flood-policies/83322541007/
calgary.citynews.ca/2020/09/09/4-home-insurance-pitfalls-to-avoid-during-hurricane-season/