Hurricane Prep: Homeowners Insurance Checklists for Connecticut Storm Season

The 2025 Atlantic hurricane season is officially underway, with experts predicting an above-average number of storms this year. Connecticut homeowners face unique risks from hurricanes and tropical storms, including flooding, wind damage, and power outages—even far inland. Now is the time to review your homeowners insurance and ensure you're fully prepared.

• Active 2025 Season: Forecasters expect 13 to 19 named storms, with several likely to impact the Northeast.
• Flooding Risks: Most hurricane-related deaths are now caused by flooding, not wind. Even minor storms can bring heavy rain and significant property damage.
• Inland Impact: Hurricanes can cause serious damage well away from the coast, affecting communities across Connecticut.

1. Review Your Policy Details

• Confirm your policy covers hurricane and wind damage.
• Check for exclusions, such as flood or sewer backup, which often require separate coverage.
• Ensure your coverage limits reflect your home's current value and rebuilding costs.

2. Understand Your Deductibles

• Many policies have a separate hurricane or windstorm deductible, which may be higher than your standard deductible.
• Know the exact amount you'd be responsible for if you file a claim.

3. Document Your Belongings

• Create a home inventory with photos, videos, and receipts for valuables.
• Store digital copies in a secure, cloud-based location.

4. Update Your Contact Information

• Make sure your insurer has your current phone number, email, and mailing address.
• Add your insurance agent's contact info to your emergency kit.

5. Prepare for Flooding

• Standard homeowners insurance does *not* cover flood damage.
• Consider purchasing a separate flood insurance policy, especially if you live in a flood-prone area.

6. Secure Important Documents

• Keep insurance policies, identification, and financial records in a waterproof, portable container.

7. Know the Claims Process

• Familiarize yourself with how to file a claim and what documentation you'll need.
• Download your insurer's mobile app if available for quick access during an emergency.

• Car Insurance in CT: Hurricanes can damage vehicles as well as homes. Review your car insurance to ensure you have comprehensive coverage, which protects against storm-related damage such as flooding, falling trees, and debris.
• Emergency Supplies: Stock up on essentials—water, non-perishable food, flashlights, batteries, and first aid supplies.
• Evacuation Plan: Know your local evacuation routes and have a plan for pets and family members with special needs.

Connecticut's storm season can bring unpredictable weather and significant risks. Taking these steps now can help protect your home, belongings, and peace of mind. For a personalized insurance review or to discuss your car insurance in CT, contact D.M. Johnson Insurance Agency today.

Stay safe, stay prepared, and ensure your coverage is hurricane-ready this season.