Mary Lewis-Humphrey, a member of the National Association of Realtors, has advised Florida homeowners to review their insurance policies, confirm flood and wind protections, and implement mitigation measures ahead of hurricane season. This advice was shared on LinkedIn.
“5 Home Insurance Tips Florida Homeowners Need Before Hurricane Season,” said Lewis-Humphrey, according to LinkedIn. “Hurricane season is coming—are you really covered? Review your insurance, check for flood coverage, and consider a wind mitigation inspection to save on premiums. Let’s get prepared together!”
According to a homeowners guide published by Shapiro Insurance Group, Florida residents are encouraged to prepare for hurricane season by examining their wind and flood coverage. Homeowners should confirm whether windstorm protection and separate flood policies are included in their insurance. Additionally, conducting roof inspections for age and condition, upgrading features such as impact-resistant windows or reinforcing garage doors, and scheduling certified wind mitigation inspections can help qualify for potential premium discounts.
A 2023 summary of Florida insurer guidance indicates that homeowners can reduce premiums by up to 45% if they add approved wind-mitigation features—such as impact windows or secondary roof water barriers—and obtain a valid wind-mitigation inspection. This demonstrates a direct link between home upgrades and insurance costs.
The Florida Office of Insurance Regulation highlights that its wind-mitigation resources page includes findings from a 2024 study by Applied Research Associates. The study shows that Florida homes with verified mitigation features like roof-to-wall connections and opening protection experienced measurable reductions in wind-storm damage losses. This serves as evidence that home-hardening efforts can lower claim severity and support insurance discounts.
Lewis-Humphrey is a real estate professional based in Florida who is affiliated with the National Association of Realtors. Her work focuses on advising homeowners in storm-exposed markets. According to her LinkedIn profile, she specializes in residential transactions and homeowner guidance within Florida’s coastal regions, reflecting her experience assisting clients with risk and insurance-related considerations tied to property ownership.
