Preparing for Florida’s Storm Season

Living and loving the Florida lifestyle means taking some precautions before — and after — our infamous storm seasons. These storms can bring damaging winds, tornadoes, excessive lightning, hail, flooding rain — or any combination can create havoc on our homes and lives.

Know Your Key Information

Policy Icon

Review Your Policy

Review your homeowner’s policy NOW to ensure you understand your hurricane or flood coverage
(Note that flood insurance must be purchased separately from homeowner’s insurance).   Log in to VYRD or contact your agent if you have questions or if you would like to discuss additional coverage.

Location Icon

Make an Evacuation Plan

Find your local evacuation routes.   Make and communicate an evacuation plan (with contingencies) for your family.   Learn evacuation policies at your children’s school/day care, your workplace, and other key places your family is likely to be.

List Icon

Make a List of Emergency Contacts

Create a list of emergency contacts and phone/text numbers (hard copy and in your cell phone) for schools, workplaces, family members, etc.

More Hurricane Prep Tools



Create an Emergency Kit

Keep these items in an airtight, easy-to-carry “kit” (container or bag) and consider keeping a separate kit at your workplace during storm season. This should be full stocked by March or April. Click here for a list of recommended emergency supply items.

A great home emergency kit should contain:

  • Important documents: A copy of your insurance policy number and declarations, contact information, IDs, etc.
  • Water (at least 3 or 4 gallons per person)
  • Non-perishable food for 3-4 days (canned meats, protein bars, dried fruits, infant foods, peanut butter, etc.)
  • Medicines
  • Purchase a portable radio and cell phone battery.



Prepare Your Home

Hurricane Shutters

Hurricane Shutters

Consider installing hurricane shutters.


Clean Your Gutters

De-clutter and repair drains and gutters so storm water can be redirected from your home.


Trim Your Trees

Prune trees during the tree species dormant season or during early spring. Remove mainly the interior branches, to allow the winds to pass through it more easily.

When a Storm is in the Forecast

  • Bring in outside furniture.
  • Be sure your cell phone is fully charged (and have a fully charged portable battery on hand).
  • Turn off circuit breakers in your home.
  • Close and secure all home doors and windows (and hurricane shutters if you have them).
  • Fill bathtubs with water for hygiene and cleaning after the storm.
  • Listen for the National Hurricane Center reports and follow all instructions, particularly those for evacuation.
  • Unplug all electronics; in the event you lose power, this will prevent power surge damage once power is restored.

After the Storm – Filing a Claim

First things first — please make sure you, your family and pets are safe. If your home is damaged, please make sure it’s safe to remain there.

1 - Camera

Take Photos

Take inventory and photos of any damaged property or possessions. Do not dispose of any items without prior approval from your insurance claims adjuster.

2 - File a Claim

File a Claim

In the event of a loss, contact VYRD Claims Services at 844.217.6993, and a claims expert will assist you.
File a Claim

3 - Adjuster Assigned

Adjuster Assigned

A VYRD claims adjuster will be assigned and will reach out to you.

4 - Inspection

Schedule an Inspection

The adjuster will work with you to schedule an inspection as soon as possible by one of our field adjusters.

5 - Report

Review Your Report

Once the inspection is complete, the claims representative will review the full coverage report with you and answer any questions.

6 - Claims Payment

Process Payment if Applicable

At the close of the process, the claims representative will process payment (if any) for the agreed upon amount.

File a Claim


While we work on your claim, we strongly suggest you do the following:

  • If it is safe, protect your property from further damage by making only reasonable and necessary emergency repairs such as covering your roof or removing standing water.
  • Safeguard your home from unwanted entry by securing your doors or covering any first-floor windows.
  • If you incur costs for temporary repairs, keep receipts for materials and labor costs.
  • If you are displayed from your home, keep receipts for additional living expenses.

If work needs to be done, contact VYRD’s Preferred Contractor Network


Note: If you have VYRD’s Preferred Contractor Network (PCN) endorsement, you MUST use one of those professionals for fast and guaranteed service

Caution with Contractors

Unannounced Visitor

If a roofer or construction worker comes to your home and offers to make repairs, DO NOT AGREE to hire them. Their work may not be covered under your VYRD policy.

Preferred Contractor Network

As a VYRD customer, you have access to our Preferred Contractor Network – which means you don’t need to go through the hassle of finding a trustworthy contractor during this stressful time. Call us first at 844.217.6993 to get in contact with one of our local reliable and pre-qualified contractors who can help you get back on track faster.

Don't Sign Away Your Insurance Benefits

While we are working your claim, don’t sign away your rights to your valuable insurance benefits to a contractor! Some contractors will ask you to do this before starting emergency repairs – but if you do, this may cause an increase in costs to you!

Assignment of Benefits

Do not sign an Assignment of Benefits form if asked to do so by a contractor or public adjuster without calling VYRD first.