June 1, 2026
Florida Hurricane Season Starts Today: What Homeowners Should Do First
Atlantic hurricane season runs from June 1 through November 30. Even with a quieter 2026 outlook, one landfall can still create a roof claim, deductible problem, evacuation cost, or documentation mess for a Florida homeowner.
First move: know your hurricane deductible
Do not wait until a storm warning to find your deductible. Pull your declarations page and look for Coverage A, hurricane deductible percentage, named storm wording, and any roof deductible language.
Quick math: $350,000 dwelling coverage x 2% hurricane deductible = $7,000 out of pocket before insurance pays.
Use the Free Hurricane Deductible CalculatorThe 2026 outlook is quieter, but preparation still matters
NOAA's 2026 Atlantic hurricane outlook calls for a below-normal season as the most likely outcome, with the season officially running from June 1 through November 30. That is useful context, but it does not reduce the cost of a single Florida landfall.
For searchers asking what to do as hurricane season starts today, the answer is practical: calculate the deductible, build the storm folder, budget supplies, know evacuation cash, and know claim deadline dates.
Use these free ClaimPrepTools today
- Florida Hurricane Deductible Calculator - estimate your out-of-pocket deductible.
- Florida Insurance Claim Deadline Calculator - estimate initial and supplemental claim dates.
- Hurricane Evacuation Cost Calculator - budget hotel, gas, food, pets, and supplies.
- Hurricane Prep Cost Calculator - estimate storm supplies before shelves are empty.
- Florida Roof Insurance Payout Calculator - check ACV, RCV, depreciation, deductible, and payout math.
- Florida Wind Mitigation Credit Calculator - estimate insurance savings from mitigation features.
Start with your county page
Florida hurricane risk is local. Use the county guide for your market, then run the calculators for the actual numbers.
Current county pages cover Miami-Dade, Broward, Palm Beach, Pinellas, Hillsborough, Lee, Collier, Sarasota, and Duval.
Open Florida County GuidesBuild one hurricane claim folder today
Create a folder named 2026 Hurricane Claim Prep. Save your declarations page, full policy, current roof photos, exterior photos, interior ceiling photos, receipts, contractor estimates, and insurer contact information.
If damage happens, add dated photos before cleanup, emergency repair receipts, hotel/gas/food receipts if you evacuate, claim numbers, adjuster names, and a written call log.
Do not ignore claim deadlines
Florida property insurance claim deadlines are shorter than many homeowners remember. Use the deadline calculator as a planning tool and confirm the exact date with your policy, insurer, attorney, or licensed public adjuster.
Calculate Claim DeadlinesPrintable worksheet for hurricane season
For homeowners who want a printed checklist, the worksheet keeps deductible math, photos, receipts, and claim calls in one place.
Buy the Printable WorksheetBottom line
June 1 is the trigger to stop guessing. You do not need a complicated system. You need your deductible number, your documentation folder, your emergency budget, and a calendar reminder for claim deadlines.
Open All Free Florida Claim ToolsSources
Disclaimer
This article is educational only. It is not legal, insurance, financial, emergency, or claims advice. Follow official evacuation orders and confirm policy details with qualified professionals.