(Update 10/5/16)  Hurricane Matthew: How to prepare and what to expect.


The latest National Hurricane Center forecast track turns Matthew more northwest while nearing with movement closely parallel the Florida East Coast as a major hurricane from Thursday night into Friday. 

The relatively close approach of Hurricane Matthew to Florida will bring a period of damaging hurricane force winds to the coast. Inland counties will also see a likelihood of sustained tropical storm force winds.


How to Prepare

When making safety and preparedness decisions, do not focus on the exact forecast track as there are inherent forecast uncertainties which must be taken into account.

If you live in a place that is particularly vulnerable to high wind,  such as a Mobile home, an upper floor of a high rise building, or on a boat, plan to move to safe shelter. Take enough supplies for you and your family for several days.

When securing your property, outside preparations should be conducted as soon as possible before conditions deteriorate. The onset of strong gusty winds and heavy rain can cause certain preparedness activities to become unsafe.


1. This is a named storm. Even if the hurricane did not make a direct hit in your area a hurricane deductible will be applied. This is typically 2% of the insured value of the home.

2. Flood is not covered under any Homeowners Policy. You must have a separate flood policy. If you have a flood policy there still needs to be a general condition of flooding in the area. Flooding to your property alone would not be a covered loss. 

3. Any water that enters from the ground is not covered. You should not file a claim for ground water if you have only a homeowners only. 

4. Some Dwelling (Homeowners) policies cover wind driven rain coming into the homes, some do not. Commercial policies typically do not.


5. Do not file a claim just to have someone come and check your property. If the insurance comes out and pays you nothing, it has the same effects to your claim record as if you had major damage. 

6. Photograph any damages before cleaning anything up.

7.  Call Your Private Adjuster at 1-800-892-1116 BEFORE you call your insurance company. We will come complete a FREE EVALUATION of your loss to make sure you do not have a claim unnecessarily. If you do have a claim, we guarantee to maximize it.

We can also refer you to tarping and dry out company if necessary.

What to Expect


Protect against life-threatening wind having possible devastating
impacts across the coastal communities and Florida .

   - structural damage to sturdy buildings, some with complete roof
      and wall failures. Complete destruction of Mobile homes. Damage
      greatly accentuated by large airborne projectiles. Locations
      may be uninhabitable for weeks or months.
    - Numerous large trees snapped or uprooted along with fences and
      roadway signs blown over.
    - Many roads impassable from large debris, and more within urban
      or heavily wooded places. Many bridges, causeways, and access
      routes impassable.
    - Widespread power and communications outages.



Flooding rain: 

Prepare for dangerous rainfall flooding having possible                           significant impacts across most of Florida.

    - Rivers may quickly become swollen and over-spill their banks, 
      especially in usually vulnerable spots. Small streams, creeks, 
      canals, and ditches will overflow.
    - Flood waters can enter some structures or weaken foundations. 
      Several places may experience expanded areas of rapid
      inundation in low-lying spots, and poor drainage
      areas. Some streets and parking lots take on moving water as
      storm drains and retention ponds overflow. Driving conditions
      will become hazardous with some Road and bridge closures


Protect against life-threatening surge having possible significant
impacts across the barrier islands of Florida. Potential
impacts in this area include:

    - areas of inundation with storm surge flooding accentuated by
      waves. Damage to several buildings, mainly near the coast.
    - Sections of near-shore escape routes and secondary roads become
      weakened or washed out, especially in usually vulnerable low
    - Major beach erosion with heavy surf breaching dunes. Strong and
      numerous rip currents.
    - Moderate damage to marinas, docks, boardwalks, piers, and other
      coastal structures. Several small craft broken away from
      moorings, especially in unprotected anchorages.


Protect against a tornado event having possible limited impacts
across east central Florida. Potential impacts include:

    - the occurrence of isolated tornadoes can hinder the execution
      of emergency plans during tropical events.
    - A few places may experience tornado damage, along with power
      and communications disruptions.