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As condo owners, we all have a responsibility to take the necessary precautions to protect our homes during hurricane season. By following some simple tips, we can minimize the damage that can be caused by a storm. Make sure you have adequate insurance, keep your building well-maintained, and make a plan in case of an emergency.  While condos are built to withstand high winds, there is always the risk of damage from a major storm. Taking these steps will help ensure that your home is as safe as possible during a storm.

Adequate Insurance Coverage

Hurricane season is an anxious time for many people who live in hurricane-prone areas. If you live in such an area, it’s important to make sure you have adequate insurance coverage. HOA insurance typically covers wind damage, storm surge, and flooding. This insurance covers the structure and into the sheetrock.  You are responsible for the sheetrock and all contents within your unit.

If you have a mortgage on your home, your lender will require you to have HO6 insurance (contents insurance). Even if you don’t have a mortgage, though, it’s a good idea to have this coverage. Storm damage can be very expensive to repair, and not all homeowners’ insurance policies cover storm damage. If you’re not sure whether your policy covers storm damage, call your insurance company and ask. It’s better to be safe than sorry when it comes to something as potentially destructive as a hurricane.

The Last Storm

If you live in an area that was affected by a hurricane, it’s important to inspect your condo for any damage that may have been done during the storm. Even if the hurricane didn’t make direct landfall, high winds and heavy rains can cause damage to your property. So, what should you be on the lookout for? Look to see what went wrong and what went right.  Did you secure everything properly?  If not, make note to secure the items that became problematic.  By taking these simple steps, you can help ensure that your condo remains in tip-top shape during hurricane season.

Secure Loose Items

Hurricanes can cause extensive damage to property, and one of the most common causes of damage is flying debris. In hurricane-prone areas, it is important to secure any loose items that could be blown around by the wind. This includes items like lawn furniture, plants, and decor. Storm straps or chains can be used to secure larger items like sheds. Make the HOA aware of any loose branches or tree limbs should be trimmed away from buildings. By taking these precautions, you can help to minimize the damage caused by flying debris during a storm.

Time To Stock Up

If you are a full time resident and choose to stay in your condo, One of the most important things you can do to prepare for a hurricane is to stock up on food and water. If the power goes out, you will need to have enough food and water to last for several days. It is a good idea to have non-perishable food that does not require cooking, such as canned goods, energy bars, and trail mix. You should also have plenty of water on hand, as well as bottled water for each member of your family. 

In addition, it is important to have a first-aid kit, flashlights, and batteries in case of an emergency. By being prepared ahead of time, you can help to ensure your safety and the safety of your loved ones during a hurricane.

Have A Plan Before The Hurricane

Hurricane season typically runs from June 1st to November 30th. During this time, residents of coastal areas should pay close attention to the National Hurricane Center’s (NHC) forecasts and advisories. The NHC issues warnings when a hurricane is expected to make landfall within 36 hours. 

Residents should use this time to finalize their hurricane preparedness plans and evacuate if necessary. Following the instructions of local officials is critical during hurricane season. Evacuation orders should never be ignored, as hurricanes can result in extreme flooding and wind damage. obey all road closures and avoid driving through standing water. 

After The Storm

First, check for any obvious signs of damage, such as broken windows or damaged doors. Then, take a close look at the roof and see if there are any missing or damaged shingles. Finally, inspect the exterior of your condo for any cracks or holes that might have been caused by flying debris. If you find any damage, be sure to contact your condo association so they can make the necessary repairs. 


During a hurricane watch, it is important to put together an emergency kit and make sure that your family knows where to go and what to do if evacuation is necessary. Once a hurricane warning has been issued, pay close attention to updates from local officials and be prepared to evacuate if instructed to do so. If you are not in the hurricane’s path, avoid travel as much as possible. Remember, hurricane season is a time to be vigilant and prepared. By taking these steps, you can help keep yourself and your loved ones safe during this potentially dangerous time of year.

Above all, have a plan. Keep track on websites like The Weather Channel. STAY SAFE!

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Are you looking to buy or sell a property in the Destin area? Contact the Real Estate Professionals at Sandpiper Cove Realty today! We would be happy to help you through every step, from start to finish. Give us a call at 850-842-2200 today.

We look forward to hearing from you!

Sandpiper Cove Realty is Destin’s leading real estate brokerage, with agents ready to help you with all your real estate needs. With years of experience and knowledge in the industry, we can provide you with the guidance and support you need to make the best decisions for your unique situation. Whether buying or selling a property, we’re here to help you every step of the way. Contact us today to get started!

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