When most people think about hurricane prep, they think bottled water, flashlights, and long grocery store lines.

But after major storms hit Florida in recent years, many homeowners and business owners realized the biggest headaches often came from the things they didn’t think about ahead of time.

As we head into the 2026 hurricane season, here are seven commonly overlooked tasks that can make a major difference before, during, and after a storm.

1. Knowing What Your Insurance Actually Covers

One of the most common post-storm surprises? Discovering what your policy does — or doesn’t — cover.

Many people assume flood damage is included in their homeowners policy, but that’s often not the case. Others may not realize how hurricane deductibles work until they need to file a claim.

Before hurricane season ramps up, take time to:

• Review your deductibles

• Understand your coverage limits

• Ask about flood insurance options

• Confirm replacement cost coverage amounts

• Update any recent renovations or additions

Having these conversations now is much easier than trying to figure it out after a storm warning is issued.

2. Backing Up Important Documents

A filing cabinet won’t help much if your home floods or loses power for days.

Store digital copies of:

• Insurance policies

• IDs and passports

• Medical records

• Home inventories

• Business documents

• Emergency contacts

Cloud storage or password-protected apps can make accessing information much easier during an emergency.

3. Preparing for Extended Power Outages

In Florida, outages can last longer than expected after a major storm.

Instead of only focusing on food and batteries, think through the small things people often forget:

• Charging portable power banks

• Fueling vehicles early

• Having cash available

• Refilling prescriptions

• Planning for pet supplies

• Testing generators before a storm is approaching

The goal is convenience now and less stress later.

4. Taking Photos of Your Property Before the Storm

You can’t always remember every detail after damage happens.

Take updated photos and videos of:

• Your home exterior

• Interior rooms

• Valuables and electronics

• Outdoor structures

• Business equipment or inventory

This documentation can help support the claims process if damage occurs.

5. Securing More Than Just Your Windows

People often remember shutters but forget about everything else outside.

Before a storm:

• Bring in patio furniture and décor

• Secure trash cans

• Trim weak tree branches

• Check fences and gates

• Reinforce loose screens or coverings

Even smaller outdoor items can become dangerous during high winds.

6. Having a Communication Plan

When storms approach, cell service can become unreliable and emotions can run high quickly.

Create a simple plan with:

• Emergency contacts

• Meeting locations

• Evacuation routes

• Out-of-town check-in contacts

• Plans for elderly family members or pets

It’s one of the easiest things to prepare ahead of time and one of the most valuable during an emergency.

7. Waiting Too Long to Prepare

The biggest mistake is often waiting until a storm is already headed toward Florida.

Stores get crowded. Supplies disappear. Gas lines grow. Stress levels rise.

Preparing early gives you more options, more time, and more peace of mind heading into hurricane season.

Is Your Insurance Ready for Hurricane Season?

Whether you’re reviewing your homeowners coverage, exploring flood insurance, or protecting your business, the team at Mulling Insurance is here to help you prepare before the next storm arrives.

Contact Mulling Insurance today to review your coverage and head into hurricane season with confidence.

 Kevin Mulling, CIC | Vice President

As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.