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The hurricane season runs from June to November, but the peak activity happens between August and October. Why?

✅ Warmer ocean waters: The Atlantic and Gulf of Mexico reach their highest temperatures. This warm water is the fuel hurricanes need to form and intensify.
✅ Less wind shear: These months have lower vertical wind shear, allowing storms to grow without being torn apart.
✅ Higher humidity and ideal conditions: Everything aligns for storms to form faster and become more powerful.

🎯 How to Prepare for the Most Active Months:

🔹 Review your insurance policy: Are

This deadline applies to property damage claims under your standard homeowners or commercial insurance policy.

🏚 What About Flood Damage?
If you experienced flooding during Hurricane Milton and have a National Flood Insurance Program (NFIP) policy, the rules are slightly different.

FEMA has extended the proof of loss deadline to 120 days from the date of loss — giving you extra time to submit the documentation needed to support your flood claim. This means if your flood loss occurred on October 9, 2024, your proof of loss must be submitted by February 6,