Hurricane season in Florida is not just a weather event—it’s a way of life. Every year from June 1 to November 30, homeowners across the Sunshine State prepare for potential storms that can bring devastating winds, flooding, and property damage. For residents of Kissimmee, and nearby communities such as St. Cloud, Winter Garden, and Clermont, preparation and understanding your insurance rights are key to weathering the season with confidence.
In this comprehensive guide, we’ll cover:
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What to expect during hurricane season in Central Florida
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How to prepare your property before a storm
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Steps to take immediately after hurricane damage
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How Claim Resource Public Adjusters can help you maximize your insurance settlement
Understanding Hurricane Season in Central Florida
While hurricanes are often associated with Florida’s coastline, inland cities like Kissimmee are far from immune. In fact, history shows that storms making landfall along the Gulf or Atlantic can still bring damaging winds, torrential rain, and even tornadoes well into Central Florida.
The National Hurricane Center (NHC) tracks and predicts storm paths, issuing critical updates to help residents prepare. However, hurricanes can shift direction quickly, meaning preparedness is essential long before the first warning is issued.
Common Hurricane Threats for Kissimmee Residents
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High Winds – Even inland, winds from tropical storms and hurricanes can exceed 70 mph, damaging roofs, siding, and fences.
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Flooding – Kissimmee’s proximity to lakes and low-lying areas means heavy rain can lead to dangerous flooding.
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Power Outages – Extended outages can last days or weeks, especially after major storms.
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Debris Damage – Flying objects can break windows, damage vehicles, and puncture roofs.
Preparing Your Property Before Hurricane Season
Preparation is the best defense against hurricane damage. For homeowners in Kissimmee, here are critical steps to take:
1. Review Your Insurance Policy
Many homeowners are surprised to learn their policy does not cover flood damage without a separate flood insurance policy. Review your coverage limits for windstorm damage, additional living expenses, and personal property replacement.
Pro Tip: Claim Resource Public Adjusters offers free policy reviews to identify gaps before hurricane season hits.
2. Secure Your Roof and Openings
Have a professional inspect your roof for loose shingles or tiles, and consider installing hurricane straps or reinforcements. Use storm shutters or pre-cut plywood for windows.
3. Remove Outdoor Hazards
Patio furniture, grills, and decorative items can become dangerous projectiles during a storm. Store them indoors when a hurricane watch is issued.
4. Create an Emergency Kit
Include water, non-perishable food, flashlights, batteries, a first-aid kit, and important documents in a waterproof container.
What to Do Immediately After Hurricane Damage
When the storm has passed, safety comes first:
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Check for Hazards – Avoid downed power lines, floodwaters, and unstable structures.
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Document the Damage – Take photos and videos of all affected areas before making any temporary repairs.
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Prevent Further Damage – Use tarps or boards to protect exposed areas, but keep receipts for all repair materials.
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Contact a Public Adjuster – Call Claim Resource Public Adjusters to handle your claim from start to finish, ensuring you receive the maximum settlement your policy allows.
Why Use a Public Adjuster in Kissimmee?
Insurance companies often send their own adjusters whose job is to minimize payouts. A public adjuster works for you—not the insurance company.
At Claim Resource Public Adjusters, we:
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Conduct independent inspections to assess the full scope of damage
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Negotiate directly with your insurance company
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Handle all claim paperwork and deadlines
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Ensure you are compensated fairly for repairs, replacements, and additional living expenses
Learn more about our services at Claim Resource Public Adjusters.
Local Considerations for Kissimmee and Surrounding Cities
While Kissimmee faces unique risks from nearby water bodies, other Central Florida cities have their own challenges:
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St. Cloud – Low-lying neighborhoods are prone to stormwater flooding.
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Winter Garden – Historic districts often require specialized repairs after wind damage.
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Clermont – Hilly terrain can cause drainage issues, leading to unexpected water damage.
By addressing these factors early, residents can reduce their vulnerability to severe storms.
Hurricane Season Myths vs. Facts
Myth | Fact |
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“We’re inland, so hurricanes aren’t a big deal.” | Hurricanes can cause catastrophic inland flooding and wind damage, even hundreds of miles from the coast. |
“I can wait until a storm is on the way to prepare.” | Supplies sell out quickly; preparation should start months before the season begins. |
“My insurance company will take care of everything.” | Insurance companies aim to minimize payouts; having your own advocate is critical. |
Final Thoughts: Prepare Now, Not Later
Hurricane season in Kissimmee, St. Cloud, Winter Garden, and Clermont is unpredictable, but preparation and professional advocacy can make all the difference. By reviewing your insurance policy, securing your property, and knowing who to call after a storm, you can protect both your home and your peace of mind.
When the winds rise and the rain falls, you don’t have to face the aftermath alone. Claim Resource Public Adjusters is here to guide you through the claims process and fight for the settlement you deserve.
Stay Informed, Stay Safe, and Stay Prepared.
Visit the National Hurricane Center for real-time updates, and contact Claim Resource Public Adjusters for expert insurance claim assistance.