how to prepare financially florida hurricane season


According to an article on Bloomberg, the 2017 hurricane season was “the most expensive ever, racking up $202.6 billion in damages.” There were a total of 17 named storms in 2017 with a record breaking 3 Category 4 storms!

While no one can predict exactly what will happen here in Florida this 2018 hurricane season, we can surely learn from past years and prepare with time. Often we prepare our homes, our families, have our supplies ready, etc. but forget to prepare for hurricanes and other disasters financially.

Even minor hurricanes can cause powerful storm surge, heavy rains, flooding, strong winds, and even tornadoes, which can result in costly expenses for Florida homeowners. Most insurance policies include a 2% – 10% deductible, which is based on your home’s insured value. Depending on the value of your home, you could be facing extremely high out-of-pocket expenses before the carrier pays.

Preferred Link’s solution for avoiding these large expenses? An innovative, new insurance solution which offers coverage for your hurricane deductible and additional expenses.

Cat4Home supplemental coverage provides:

  • Reimbursement of up to 100% of homeowner’s policy deductible loss caused by a hurricane
  • Additional coverage for select exposures typically limited, restricted, and / or excluded in homeowner’s policies including:
    • Carports and screened enclosures
    • Fences and awnings
    • In-ground trees, shrubs, and plants
    • Debris removal
  • Mandatory Evacuation Expense coverage
  • Generator Rental Expense coverage
  • Timely, efficient payment of claims to provide immediate funds to recover and restore


The last thing anyone wants to think about after a hurricane disaster is high out-of-pocket expenses. Contact a Preferred Link agent today to discuss how Cat4Home can help you prepare financially for whatever this 2018 hurricane season might bring to Florida.