Hurricane Season is Coming: Are You Really Ready?
Aug 28, 2025
Heading into the 2025 Atlantic Hurricane Season (running June 1st through November 30th), Meteorologists had projected about a dozen named storms. The first system, Tropical Storm Andrea, formed on June 23, which was the latest start to an Atlantic season since 2014. Now, with nearly 2 months left in 2025 Hurricane Season, we are far from in the clear. While we cannot control the weather, we can control how well we prepare for it.
When people hear “hurricane season,” they often think of bottled water and batteries. While those are essential, preparing for a storm, especially one with the power to reshape your life, goes far beyond pantry supplies.
At JKJ, we have seen firsthand how storms do more than damage property. They disrupt lives, displace families, and create months—and in rare cases, years— of recovery work. True preparation is not just about surviving the storm; it is about protecting your future.
Think Beyond the Obvious
The most dangerous time is not always during the storm itself but rather during the chaotic days and weeks which follow. This is the timeframe when access to supplies is limited, contractors are overwhelmed, and insurance companies are struggling to keep pace with the onslaught of claims.
Here are key steps most people do not think about which could save you time, money, and aggravation once a hurricane makes landfall:
Document Everything Before You Need It
An insurance claim is only as strong as your proof. Take a complete home inventory now, including photos, videos, and serial numbers, and store them in both a cloud folder and a waterproof container.
JKJ Insight: We offer clients access to digital inventory tools and guidance on what is often overlooked, such as detached structures, high-value collectibles, and specialty equipment.
Understand Your Coverage Gaps Before the Wind Blows
Many homeowners discover after a storm that their policy did not cover flood damage or that windstorm deductibles are much higher than they expected.
JKJ Insight: Our Personal Insurance team conducts regular coverage reviews, identifying exposure points and helping you secure the right flood and wind endorsements before the season peaks.
Plan Your “Away Game”
If evacuation becomes necessary, where will you go? Do you have a backup for your backup? Knowing your route, having cash on hand, and pre-arranging pet boarding can make all the difference.
JKJ Insight: We can help families build personal emergency action plans that include insurance contact protocols so your claim can be initiated even while you are on the move.
Don’t Forget the Aftermath Logistics
Once the storm passes, securing your property quickly is critical to preventing further damage and to ensuring your claim is not delayed.
JKJ Insight: JKJ has access to vetted contractors and restoration specialists, giving our clients priority access during peak demand periods.
Why Partnering with JKJ Changes the Outcome
Preparation is not just about having the right supplies; it is about having the right team. At JKJ, we combine decades of experience in developing unique insurance solutions with personalized risk assessments to ensure you are not just prepared for the storm but also positioned for a smoother recovery.
When you work with our Personal Lines specialists, you are not just buying an insurance policy, you are gaining:
- Proactive risk analysis before storm season begins
- Tailored coverage reviews to close dangerous gaps
- Claims support when a loss occurs
- Connections to trusted emergency vendors
When the storm finally passes through, what matters most is how quickly life gets back to normal.
The Bottom Line
With nearly 3 months remaining in the 2025 Atlantic Hurricane Season—and many forecasts indicating the worst is yet to come, you should not leave hurricane preparation to chance. The time to act is not when a storm is on the radar, it is now.
Contact the JKJ Personal Insurance team today and let us make sure that when the next storm hits, your insurance program is ready to respond the way you need and expect it to.