Many North Shore families own:
Florida residences
Arizona winter homes
Michigan lake properties
March and April are critical months in the insurance world.
Carriers often begin tightening underwriting guidelines ahead of hurricane season.
Key Coverage Areas to Review
Named Storm Deductibles
Often separate from standard deductibles — and much higher.
Wind Exclusions
Some coastal policies exclude wind unless specifically endorsed.
Vacancy Clauses
If the home is unoccupied for extended periods, coverage restrictions may apply.
Umbrella Coordination
Ensure umbrella coverage properly extends over out-of-state properties.
Why Timing Matters
Once storm activity increases, carriers may:
Restrict new policies
Increase deductibles
Tighten underwriting
Limit coverage options
A proactive review now gives you more flexibility than waiting until summer.