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Triple-I Stresses Preparedness for ‘Above Average’ 2025 Atlantic Hurricane Season

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Media Contact:
Florida Press Office
Mark Friedlander
904-806-7813
markf@iii.org

ST. JOHNS, Fla., May 1, 2025 – The start of what is forecast to be an “above average” 2025 Atlantic hurricane season is just a month away and theis recommendinghomeowners,condo owners,rentersandbusiness ownersprepare now.

Led by Colorado State University (CSU) senior research scientist Phil Klotzbach, Ph.D., a non-resident scholar at Triple-I,CSU’s TC RAMS research team 17 named storms, nine hurricanes and four major hurricanes during the 2025 season, which starts on June 1 and continues through Nov. 30.A Atlantic hurricane seasonhas 14 named storms, seven hurricanes and three major hurricanes.

ܰԲ , everyone who lives in a hurricane-prone community should take a few moments to ensure they have adequate financial protection for their property and possessions, while also taking steps to make their home or business more resilient to the impacts of wind and water,” said Triple-I CEO Sean Kevelighan.

“History has proven states along the Atlantic and Gulf coasts face the prospect of catastrophic, hurricane-caused property damage. With more Americans living in harm’s way than ever before, it is critical for everyone residing in a hurricane-prone community to make preparedness a priority for the upcoming season,” Kevelighan added.

, spearheaded by the National Oceanic and Atmospheric Administration (NOAA), starts on Sunday, May 4, and continues through Saturday, May 10.

Triple-I’s hurricane preparedness tips for the 2025 season include:

Review Your Insurance Coverage:Make sure you have the right type – and amount – of property insurance. The Triple-I recommends you conduct anannual insurance reviewof your policy(ies) with your insurance professional.

“With home replacement costs escalating more than 55% since 2019 due to the rising costs of construction materials and labor, you should ask your insurance professional if you have the right amount of coverage to rebuild or repair your home, to replace its contents, and to cover temporary living expenses if your property is uninhabitable,” Kevelighan said. “You should also ask aboutflood insurance,which is an additional coverage to standardhomeowners,condoandrenterspolicies, as well as asmall business insurancepolicy. Nearly 90% of U.S. natural disasters involve flooding so most areas of the country are prone to flooding.”

The best place to start theinsurance review process is by reading thedeclarations pageof your policy. It offers details on how much coverage you have, your deductibles, and how a claim will be paid.

Standard homeowners insurancecovers the structure of your house for disasters such as hurricanes and windstorms, along with a host of other perils, such as fire. It is important to understand the elements that might affect your insurance payout after a hurricane and adjust your policies accordingly.

Flood insurance, which is a separate policy from your property coverage, is offered throughand severalprivate insurers.

Protect Your Vehicles:Comprehensive auto, which is an optional coverage, protects your vehicle against theft and damage caused by an incident other than a collision, including fire, flood, vandalism, hail, falling rocks or trees, and other hazards. Nearly 80 percent of U.S. drivers opt to purchase comprehensive coverage.

Make Sure Your Possessions are Adequately Protected: Consumers should determine the out-of-pocket cost of repurchasing their wind-damaged furniture, electronics, clothing and other personal possessions after a hurricane. Whether you havehomeowners insurance,condo insuranceorrenters insurance, your policy provides protection against loss or damage to personal property due to a hurricane or tropical storm.

Creating aninventory of your belongingsand their value will make it easier to see if you are sufficiently insured for either thereplacement costor theactual cash valueof the items situated at your residence. When you create a photo or video catalog of your home’s possessions, it expedites ý claims process if you sustain damage from a storm.

Make Your Property More Resilient:Invest in risk mitigation toharden your propertyagainst wind damage, such as roof tie-downs, a wind-rated garage door and storm shutters. Triple-I also recommends you have your roof inspected annually by a licensed and bonded contractor to make sure it will withstand high winds and torrential rainfall.

ADDITIONAL RESOURCES

FACTS & STATISTICS

Hurricanes

Floods

CONSUMER INFORMATION

Catastrophes: Insurance Issues

Hurricane Season Insurance Guide

How to Prepare for Hurricane Season

Hurricane Season Insurance Guide

Hurricane and Windstorm Deductibles

Understanding Your Insurance Deductible

Preparing an Effective Evacuation Plan

Settling Insurance Claims After a Disaster

Spotlight on Flood Insurance

Facts About Flood Insurance

Recovering from a Flood

INFOGRAPHICS

What Are Hurricane Deductibles?

How to Prepare for Hurricane Season

How to File a Flood Insurance Claim

Is Your Business Ready for Peak Hurricane Season?

EXTERNAL RESOURCES

RELATED VIDEOS

About the Insurance Information Institute (Triple-I)

Since 1960, the (Triple-I) has been the trusted voice of risk and insurance, delivering unique, data-driven insights to educate, elevate and connect consumers, industry professionals, policymakers and the media. An affiliate of , Triple-I represents a diverse membership accounting for nearly 50% of all U.S. property/casualty premiums written. Our members include mutual and stock companies, personal and commercial lines, primary insurers and reinsurers – serving regional, national and global markets.

About The Institutes

are a not-for-profit comprised of diverse affiliates that educate, elevate, and connect people in the essential disciplines of risk management and insurance. Through products and services offered by The Institutes and nearly 20 affiliated business units, people and organizations are empowered to help those in need with a focus on understanding, predicting, and preventing losses to create a more resilient world.

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