Hurricane Season preparedness for HOAs isn’t a checklist you dust off in May and forget about until the weather service mentions a tropical wave. That’s the lesson that gets relearned, community by community, every time Florida gets hit during a “quiet” year.
This guide covers the full cycle: what to do before the season opens, how to manage the days leading up to a storm, what the association can and can’t realistically do during one, and how to protect your community and your insurance position in the recovery. The sections on documentation and insurance draw directly from conversations with Florida-based roofing, insurance, and banking professionals who work with community associations through every storm cycle. Where their specific insights appear, they’re attributed.
What is Hurricane Season?
The Atlantic hurricane season runs June 1 through November 30, with the historical peak falling between mid-August and mid-October, when warm ocean temperatures and favorable atmospheric conditions create the conditions that allow tropical systems to organize and intensify. For Florida associations, that six-month window isn’t background noise; it’s the operational reality that every board decision about maintenance, vendor contracts, insurance renewals, and resident communication has to account for. The National Hurricane Center tracks active systems in real time and is the authoritative source boards should bookmark before the season opens.
NOAA’s official 2026 Atlantic hurricane season outlook forecasts 8 to 14 named storms, with 3 to 6 reaching hurricane strength and 1 to 3 becoming major storms. The agency puts a 55% probability on a below-normal season. That sounds reassuring. It isn’t. In 1992, the Atlantic hurricane season was well below average, with only six named storms, and one of them was Andrew, which leveled Homestead and rewrote Florida’s building codes. A below-normal forecast means fewer storms on the map. It says nothing about what happens when one of them finds your community.
Florida has roughly 28,000 community associations. Most of them are within striking distance of a coastline. For HOA and COA boards, hurricane season preparedness isn’t about probability; it’s about having a plan that works regardless of what the forecast says come September.
Inside Our 2026 Hurricane Preparedness Webinar
Every section of this guide that touches on roofs, insurance, or financial preparedness draws from the same source: a live webinar we hosted earlier this season that brought over 258 Florida board members, property managers, and licensed CAMs together to hear from three professionals who work with community associations through every phase of a storm event.
Jordan Litt, Vice President of Sales at Best Roofing, led the presentation. What makes Jordan’s perspective worth listening to isn’t the title. It’s the path to it. He came up through the field as a site supervisor and construction manager before spending years as a forensic roof specialist, the person called in after a storm to determine exactly what failed and why. Best Roofing has been serving South Florida’s commercial and multi-family communities since 1978, which means the company has been through every major storm cycle this state has seen. Jordan opened the webinar with a line that set the tone for everything that followed: “An educated consumer is a better consumer. If we can educate everyone, especially in areas where this information is so pertinent, they’re going to be better prepared and hopefully it’s going to save a lot of heartbreak and dollars down the road.”
Alongside Jordan was Daniel Baum, founder of COA Solutions of Florida, whose firm works exclusively in insurance for condominiums, HOAs, and multi-family communities. Daniel’s framing of the insurance side of hurricane preparedness was direct: “Pre-existing damage is the number one way insurance companies find to not pay you.” He also quoted industry educator Steve Mason throughout: “If a photo is worth a thousand words, a video is worth a million.” Both lines reappear in this guide because they’re that consequential.
The third voice was Jayme Gelfand, Vice President and Regional Sales Officer at First Citizens Bank. Jayme holds the PCAM designation from CAI, the highest professional credential in community association management, which is notable because she’s a banker, not a manager. She spent over 25 years immersed in the community association world, including a role as senior VP at Truist Financial where she oversaw association services relationships for more than 9,000 communities. She’s also a former executive director of the CAI Gold Coast chapter and has served as an expert witness in community association litigation. Her contribution throughout the webinar kept every conversation about roofs and storms grounded in the financial reality boards actually face when the work needs to happen before an insurance check arrives.
What Jordan said at the close of the webinar applies to everything that follows: “Have a plan, share your plan, and then work your plan.”
What the Association Is (and Isn’t) Responsible For
Before any checklist, boards need clarity on scope. This is where a lot of communities get into trouble, not because of carelessness, but because the boundaries are genuinely blurry until you look closely at your governing documents.
The association is generally responsible for common elements: roofs, exterior walls, elevators, shared plumbing and electrical, parking areas, gates, pools, and common landscaping. Unit owners are typically responsible for their interior contents and in many cases their windows and hurricane shutters, depending on what the declaration says.
That last phrase isn’t a throwaway. Some declarations put shutter specifications and even installation costs on the association, others leave it entirely to the owner. Some are unclear in ways that only surface when a storm is approaching and nobody agrees on who’s doing what.
For condominiums, Florida Statute 718.113(5) is explicit: every condo board is required to adopt hurricane shutter specifications for each building it operates, and whether installation and maintenance costs fall on the association or the unit owner depends on what the declaration says. For HOAs, 720.3035, updated by HB 293 in 2024, requires every board to adopt hurricane protection specifications and prohibits denying a homeowner’s compliant installation request. Neither statute resolves the cost-allocation question on its own. That answer lives in your governing documents. Always confirm responsibilities with your association attorney before hurricane season begins.
One thing that should be explicit in your written hurricane plan: the association isn’t an emergency service provider. Staff and vendors can’t be on-site once conditions become unsafe. Residents can’t rely on the board for personal evacuation or shelter. Stating this clearly in writing, communicated before a storm bears down, reduces dangerous misunderstandings. It also protects the board from expectations it simply can’t meet.
Pre-Season Planning: 3 to 6 Months Out
The time to prepare isn’t when a storm name starts appearing on weather alerts. If your board is just getting started in June, you’re already behind. Here’s what needs to happen before the season opens.
Build or Update the Written Hurricane Plan
Every association should have a written hurricane plan. Not “we’ll figure it out when something comes.” An actual document covering emergency contacts, communication channels, vendor lists, resident responsibilities, evacuation guidance, and assigned board or management roles for each phase of a storm event.
Think of it this way: if your CAM is unreachable and a board member has to act, will they know what to do? That’s the test a written plan needs to pass. The State of Florida’s hurricane season preparedness guide is a useful reference point for what these plans should cover from a legal standpoint. And if your board could use broader guidance on managing emergencies beyond just storms, our post on community crisis leadership covers the leadership side of those conversations.
Inspect Roofs, Structures, and Building Systems
Jordan’s recommendation from the webinar was twice-yearly roof inspections: once before hurricane season (April or May) and once at the end of it. His reasoning goes deeper than just catching leaks.
A comprehensive roof audit documents the condition of perimeter flashing, drains, rooftop equipment, open seams, and penetrations. His firm uses an A-through-F grading system: anything with 15 or more years of useful life remaining is an A, and anything in the two-to-four-year window is what he calls “the last vestiges of restorability.” That grade becomes documentation you can hand to your insurance carrier when they start asking questions.
And they will ask. Daniel pointed out in the webinar that pre-existing damage is the number one reason insurance companies deny claims. He quoted insurance educator Steve Mason directly: “If a photo is worth a thousand words, a video is worth a million.” Pre-storm documentation isn’t optional, and it isn’t just good practice. It’s evidence.
One detail boards often miss: roofs don’t blow off in a conventional sense. They get sucked upward. As Jordan explained, “Roofs don’t blow off. What they do is they get sucked upwards from the negative pressure that is building from the top side of the roof.” Corners and perimeters always fail first. If your building has a recent roof but nobody has checked the perimeter flashing since installation, that’s a real vulnerability, and one a proactive audit catches early.
Beyond the roof, the regular HOA inspection process matters here too. Mechanical systems (generators, sump pumps, elevators, HVAC equipment) all need pre-season checks. A mechanical failure during peak storm conditions creates cascading problems you don’t want to manage under pressure.
For structural concerns, South Florida engineering firms specializing in recertification, milestone inspections, and concrete restoration can be a valuable pre-season partner. With SB 4D milestone inspection requirements now in effect, many communities are already engaging these firms for required assessments. Timing a pre-season structural review alongside that work makes sense.
Review Insurance and Store Documents Properly
Sit down with your association’s insurance agent well before your policy renewal date. May 31st is one of the most common renewal dates in Florida, and Jayme Gelfand made a point in the webinar that boards too often don’t take seriously: underwriters are processing hundreds, sometimes thousands, of renewal applications simultaneously in the weeks before major renewal dates. If you need documentation from a roof inspection to support your coverage, you need it in hand weeks ahead of that deadline. Not days. Not the afternoon before.
Review your windstorm deductible (often a percentage of insured value, not a flat amount), your flood coverage, and whether you carry building ordinance and law coverage. That last one matters more than most boards realize. If a storm triggers a requirement to bring the building up to current code, coverage that only pays for what was destroyed leaves you with a very large gap.
Store policies, contracts, vendor agreements, and emergency plans both digitally and in at least one off-site or cloud-based location. Physical files in a flooded office help no one. Our Hurricane Season Preparedness article has practical guidance on document organization for associations of all sizes.
Pre-Contract With Vendors Before Anyone Else Does
After a major storm, the lines are long, costs spike, and fly-by-night operators appear in the chaos. Communities without existing vendor relationships wait for restoration, roofing, water mitigation, and debris removal. They wait weeks. Sometimes months.
Jordan was direct about this in the webinar: his team prioritizes existing clients after a storm, not because they’re unsympathetic to everyone else, but because that’s the commitment they made. “We are going to help our existing clients before we ever take on any new opportunities,” he said. “Make sure that you have a relationship with a roofing company so that you are taken care of.” After Irma in 2017, Best Roofing had a helicopter in the air the next morning monitoring job sites from above, triaging which buildings to reach first.
That’s the difference between a pre-season vendor relationship and a post-storm cold call.
Pre-negotiated contracts should include priority response language, clear authorization thresholds for emergency work the board can act on quickly without convening a special meeting, and payment terms that work for your cash position. And if you currently have contractors on-site doing renovation or restoration work, ask for their hurricane plan. Any reputable company operating in Florida during season should have one ready.
Jordan flagged this clearly: “Any of the contractors that you’re working with should be presenting this plan to you, especially if they believe that your project will occur during this time of year.”
Educate the Board and Residents
“An educated consumer is a better consumer,” Jordan told the group. It sounds obvious. But the number of boards who enter hurricane season without a clear shared understanding of the plan, the responsibilities, or even the basic timeline proves it isn’t the default.
Our hurricane preparedness webinar drew over 258 attendees, and the Q&A ran long because boards had genuine questions they hadn’t been able to answer before. What can we install without a permit? When can shutters go up? Who pays for landscaping removal after a storm?
Pre-season education sessions, whether a community webinar, a board workshop, or an in-person hurricane huddle like the one we hosted in May, help boards enter the season with shared understanding rather than guessing on the fly. Distribute a resident hurricane guide via email, the community portal, and printed copies in common areas. And if you’re looking for deeper resources on keeping your board strong all year, HOA board education is a good starting point.
7 to 10 Days Before a Storm: Short-Term Preparation
When a storm enters the forecast cone, the clock starts. Here’s what needs to happen.
Know the Difference Between Watch and Warning
A hurricane watch means conditions are possible within 48 hours. A warning means they’re expected within 36 hours. Your internal checklists should be tied to these milestones, not to whenever the board feels worried enough to act.
At the watch stage, your common area checklist should already be activating: pool furniture secured or stored, grills moved or strapped, signage taken down, anything that can become a projectile addressed. This sounds obvious. Boards still skip it because “it might not hit us.” That hesitation has cost communities real money.
At the warning stage, you’re in execution mode. No more “might.”
Secure Common Areas and Building Systems
Loose items in common areas aren’t just a liability issue; they’re a safety issue for residents and neighboring properties. Work through the property systematically. Check garage doors (a frequent failure point in high-wind events), gates and access points, trash enclosures, and any areas where debris can accumulate or where ponding water would cause structural problems. Your ongoing HOA common area maintenance practices provide the baseline here; pre-storm securing is just the emergency version of that same process.
For building systems, elevators need to be parked and powered down before winds hit their threshold. Mechanical rooms need to be locked and secured. Generators and sump pumps need to be confirmed operational, not assumed. All of it belongs in the written hurricane plan with named responsible parties, not on a mental checklist someone hopes to remember under pressure. As Jordan put it: “Make sure that you have everything ready so that when something does turn on a dime, you are prepared to take action.”
Communicate Clearly With Residents
Give residents specific, actionable instructions before they have to ask: balcony furniture inside, vehicles out of flood-prone parking areas, and a clear reminder about where to find evacuation shelter information if a mandatory order comes. A broad “stay safe” message isn’t enough when residents are trying to make real decisions about where to go and what to do.
In the webinar Q&A, one attendee asked about shutter timing. Jordan’s practical answer: most declarations allow shutters to go up at a watch or warning, and municipalities typically ask that they come down within 5 to 10 days after the storm. But this is jurisdiction-dependent and community-specific. Check your declaration, and check with local code compliance if you’re uncertain. Don’t wait until an active warning to figure it out.
The Final 48 Hours Before Landfall
This is the life-safety window. The action list gets short and very focused.
Do a final walkthrough confirming shutters are closed, amenity areas are secured and posted as closed, and all non-essential common spaces are locked down. Move emergency supplies (flashlights, sandbags, battery-powered radios) to accessible staging locations where staff can reach them without entering locked areas.
Send one final resident communication through every channel available: email, SMS, community portal, website. Cover storm status, building status, last-minute instructions, and when to expect the next update. Be honest in that message: the association won’t provide on-site shelter. Staff won’t be available to respond to individual inquiries during peak storm conditions. Direct residents to official emergency resources for anything life-threatening.
This isn’t about being cold. It’s about honesty before dangerous assumptions get made.
During the Storm: What the Association Can (and Can’t) Do
Once conditions become unsafe, staff and vendors shouldn’t be on-site. This should be formalized in employment agreements and vendor contracts before the season starts, not decided in the moment.
What the association can do remotely: short safety updates through the community portal or website, scripted auto-replies for email and maintenance tickets that direct urgent safety issues to 911 and local emergency services. What it shouldn’t do: promise real-time responses or updates it can’t deliver under peak conditions. Silence after implying availability damages trust with residents faster than almost anything else.
If your community has remote monitoring capabilities (building cameras, water sensors, access control logs), those can provide limited situational awareness without putting anyone at physical risk. Confirm those systems have backup power before the season begins.
After the Storm: Damage Assessment and Recovery
The hours after a storm clears are chaotic. A clear protocol is the difference between organized recovery and expensive confusion. For a full breakdown of the post-storm management process, our article about hurricane season recovery for HOAs and COAs covers the recovery phase in depth. Here are the critical anchors.
Re-Entry and Initial Safety Checks
Don’t send staff in until local authorities confirm it’s safe. Once you do, the first pass is for safety, not repairs: downed power lines, gas leaks, standing water, structural hazards. Open the property to residents only after those checks are complete and immediate hazards are addressed.
Document Everything Before You Fix Anything
The photos and videos you capture before making temporary repairs are your evidence. Patch a roof section before documenting the damage, and your insurance carrier has grounds to argue it was pre-existing.
Use a systematic approach with a numbered, GPS-tagged photo log and a standardized checklist for each building element. Compare post-storm images against pre-storm documentation. That comparison is what builds an airtight claim. Our Hurricane Preparedness Checklist includes a documentation framework boards can adapt.
The return on investment case for proactive documentation isn’t complicated. Engineer Chris Smythe, owner of Smyth Engineering, in a prior Condo Zone educational webinar, put a specific number on it: for every dollar spent on preventative maintenance and documentation, communities save roughly five dollars in repair costs and claim complications down the road. Daniel referenced this figure during our recent webinar, and it resonated because the math is hard to argue with.
Filing Claims Without Getting Burned
Notify your carrier immediately. Provide initial documentation as soon as conditions allow. Understand that adjuster timelines after major regional events are long, because hundreds of communities are filing simultaneously.
One critical caution: be very careful with assignment-of-benefits agreements in the immediate post-storm scramble. Contractors who show up quickly with paperwork to sign haven’t always had the association’s interests at the center of their offer. Have your attorney review any contractor agreements before signing under pressure. Jordan put it plainly: “Would you trust a company that only had the ability to replace your roof, but at no point after that could actually mobilize to make any repairs? The relationship does not end when the roof is put on. That’s actually when the relationship starts.”
Keeping Residents Informed Through Recovery
A good communication cadence after a storm: daily updates in the first week, weekly after that. Cover elevator status, utility restoration, common area access, what’s being repaired and when, and clear guidance on what’s the association’s scope versus what’s an individual owner claim. Most resident questions after a storm are the same across properties. Answer them proactively through your community portal or website and you’ll cut the volume of calls and emails your management team has to field significantly.
When Communication Breaks Down, So Does Everything Else
Fragmented communication doesn’t just inconvenience residents during a storm. It creates liability. When three different board members are sending three different updates through text, email, and a Facebook group, the messages contradict each other and contacts are out of date. Nobody has a record of what was sent to whom. The resident communication challenges that boards struggle with on a normal week become unmanageable under storm pressure.
Associations with centralized communication tools came out of storm events better than those without them. Not because the tool stopped the storm, but because they could reach every resident, update statuses quickly, store documents in one accessible place, and respond to maintenance requests without missing anything.
An all-in-one community platform like Neigbrs by Vinteum solves this by centralizing communication across email, SMS, and a resident portal in one place, with document storage that’s accessible regardless of what’s happening on-site. Florida law requires community associations to maintain certain records and communications in compliant formats; a purpose-built platform makes that easier to manage when things are moving fast and every board member is already stretched thin.
The free version, Neigbrs Lite, gives communities a starting point: a public-facing website and direct resident communication, with document storage built in. No complicated setup required. For communities that want the full platform, including a built-for-you website and resident portal, backed by ongoing support, our team will walk you through it.
Getting set up before season starts means you’re not scrambling for a communication solution while a storm is already in the forecast. With Neigbrs by Vinteum, your community stays connected and prepared for every kind of emergency. Book a free demo and discover how Neigbrs can help you!
What Real Florida Communities Are Learning Right Now
Board after board is making the same mistake. They go through a storm. They file the claim. The carrier cites pre-existing damage. And they have no documentation to push back with. That’s not bad luck. It’s a gap that shows up in communities across all sizes and experience levels, reinforced by conversations at our webinar and our in-person Hurricane Huddle in Palm Beach County.
The Documentation Gap
Property after property, the story is the same: damage occurred, the insurance company asked for documentation of pre-storm conditions, and the association had little to provide. Daniel Baum described the way some carriers make coverage decisions as “armchair underwriting”: reviewing drone footage and third-party photos without sending a physical inspector. If those images don’t tell the right story because the roof looks dark from environmental exposure, or because ponding water in a post-rain photo gets misread, the community pays for it.
Jordan recounted a specific example during the webinar: a roof his firm had installed in 2021 triggered a carrier review because an inspector’s extension-pole camera caught standing water near a drain after it had rained the day before. The roof was three years old. He had the full maintenance documentation, the warranty was current, and the structural slope was directing water correctly. With that documentation, he was able to push back and resolve it. Without it, the community would have been facing a replacement dispute on a three-year-old roof.
That’s a fixable problem. But it requires starting in April or May, not after renewal pressure is already on.
The Vendor Relationship Problem
Multiple board members at our in-person Hurricane Huddle admitted they had no pre-negotiated vendor agreements for restoration or debris removal. One property manager described calling eight contractors after a recent storm and being told across the board that they were six to eight weeks out. By the time someone could come, secondary water damage had turned a manageable roof repair into an interior gut renovation.
The fix isn’t complicated, but it requires doing the work before season opens. Identifying vendors, formalizing relationships in writing, and making sure the board has contact information stored somewhere other than a phone that might not have power.
The Shutter and Responsibility Confusion
Our webinar Q&A generated several questions about who handles hurricane shutters on balconies and windows. The practical answer, as Jordan and Daniel both noted, is that it depends entirely on the governing documents. Some declarations assign cost and installation to the owner. Others make it a common expense. Some are ambiguous in ways that only a legal review can clarify. If there’s genuine uncertainty in your documents, get a written opinion from your association attorney before storm season. That conversation is a lot less painful than a dispute during one.
When Storms Intensify Faster Than Anyone’s Plan
“I don’t remember that always being the case a decade or two ago,” Jordan told the webinar group, talking about rapid intensification. “Last year we were seeing some of these move from a category one to a category four in under 24 hours.”
He described a storm that tracked 60 to 70 miles off South Florida’s coast, looking like a direct hit before wind shear pushed it north at the last moment. The margin was small. The lesson wasn’t “we got lucky.” It was that the only plan worth having is one you can execute before the storm tells you it’s coming.
That’s why the pre-season work matters. Not because every storm will make landfall near your community, but because the ones that do won’t give you enough warning to start preparing.
Common Mistakes Florida Boards Make (And What to Do Instead)
Starting in June. Pre-season inspections and insurance reviews take real time, and vendor contracts take even longer to negotiate properly. Boards just getting started when the season opens have already lost the window for their best options. Jordan’s image for this is vivid: “I don’t wait for the storm to bear down on the house to be the guy online at Home Depot getting sheets of plywood when they’re $800 a sheet.”
- Treating near-average forecasts as good news: The 30-year average for Atlantic storms doesn’t tell you anything about whether a single hurricane will make landfall near your property. One storm is all it takes.
- Skipping the financial conversation: Jayme Gelfand’s point during the webinar: insurance claims take time to process, sometimes a lot of time, and the association still needs to fund emergency work while it waits. A loan application typically takes 30 to 45 days once the package is submitted. Communities properly funded under their SIRS reserve plan have a meaningful advantage when storm damage triggers work that insurance doesn’t immediately cover. For context on how Florida’s reserve requirements affect this calculation, our post on how House Bill 913 affects HOA reserves is worth reading before the season opens.
- Over-promising in resident communications: What a board commits to in writing before a storm creates expectations it may not be able to meet during or after one. Be clear about the association’s scope. That honesty before the storm is far less damaging than the frustration that comes from unmet expectations after it.
Your Pre-Season Checklist
Before June 1, every Florida HOA and COA board should have completed or scheduled each of these:
- Hurricane plan reviewed, updated, and distributed to the board and residents
- Professional roof inspection completed, report documented, repairs scheduled if needed
- Insurance policy reviewed with agent: deductibles, windstorm coverage, flood, ordinance and law coverage
- All critical documents backed up digitally in off-site or cloud storage
- Vendor contracts for roofing, water mitigation, debris removal, and restoration confirmed in writing
- Resident hurricane guide distributed via email, portal, and common area postings
- Board roles and responsibilities for each storm phase assigned and confirmed in writing
- Community communication system tested, contact information verified, and redundancies confirmed
Keep the Conversation Going
Webinars and articles cover a lot of ground, but the Q&A at an in-person event is where the real specifics come out. Board presidents sharing what actually happened after a past storm, attorneys clarifying what your declaration does and doesn’t cover, engineers explaining what a drone sees on your roof before your carrier does: those conversations go in directions no structured presentation anticipates.
For community communication specifically: if your association doesn’t currently have a centralized system for reaching residents and storing documents, hurricane season is the right moment to fix it. Neigbrs Lite is free to start, no credit card required, and gives you a website plus the direct communication tools to begin operating in a more organized way. For the full Neigbrs platform, our team will walk you through it.
Frequently Asked Questions
Who is legally responsible for hurricane shutters in a Florida condominium?
This is one of the most common points of confusion we hear from boards, and the answer is genuinely community-specific. Florida condo law requires boards to adopt hurricane protection specifications, but whether installation and replacement is the association’s cost or the owner’s cost depends on what your declaration says. Some governing documents assign it to the unit owner. Others make it a common expense. When the language is ambiguous, a formal opinion from your association attorney before the season starts is a much better outcome than a dispute during one.
What does a Florida HOA hurricane plan need to include?
At minimum: a current emergency contact list for board members, management, and key vendors; communication protocols tied to watch and warning milestones; specific resident instructions for each storm phase; pre-authorization thresholds for emergency vendor work so the board can act quickly without a special meeting; document backup and access procedures; and clear language defining the association’s scope and limitations. The plan should be reviewed annually, distributed to residents, and stored somewhere accessible even if the management office is inaccessible.
How quickly should an HOA file an insurance claim after storm damage?
Immediately. Contact your carrier as soon as conditions allow, even before you have a complete damage assessment. Most policies require prompt notice, and delays can complicate coverage regardless of how legitimate the damage is. Get a professional roof and structural assessment before making anything beyond basic temporary repairs, and document everything photographically before those repairs happen. If you’ve been disciplined about pre-storm documentation, that comparison evidence is what prevents a carrier from attributing storm damage to pre-existing deterioration.
What should boards know about reserve funding and storm financial preparedness?
Jayme Gelfand’s framing from our webinar is useful here: cash reserves in the bank are a meaningfully better position than relying on financing when something unexpected happens. A line of credit takes 30 to 45 days to process even when everything goes smoothly. If your building has an aging roof or other capital needs approaching, boards following their SIRS reserve plan and funding annually are in a far stronger position when a storm triggers work that insurance doesn’t immediately cover. This is worth a direct conversation with your banker before the season starts, not after.
