As hurricane season begins, preparation is not optional—it’s essential. For condo and homeowners associations (HOAs), the stakes are even higher. One overlooked policy clause, missed inspection, or lack of documentation could cost your community hundreds of thousands in damages—or worse, delay much-needed recovery after a storm.
To help you get ahead, we’ve created The Hurricane Playbook—a 7-step checklist tailored specifically for associations responsible for protecting shared property, financial stability, and community trust.
1. Review Your Insurance Policies — All of Them
Before the first storm forms, meet with your insurance broker and a licensed public adjuster to review:
- The master policy (including wind, flood, and named storm coverage)
- Deductibles and limits
- Exclusions or clauses related to hurricane damage
- Valuation of the property (is it still up to date with market conditions?)
📌 TIP: Associations often learn too late that they are underinsured or lack proper flood coverage. A policy review now can save months of headaches later.
2. Document the Entire Property
Photograph and/or video record:
- Roofs, windows, and all building exteriors
- Interior common areas (lobbies, stairwells, fitness centers, clubhouses)
- Parking lots, pools, and landscape features
- Mechanical systems (generators, HVAC, elevators)
📌 TIP: Date-stamped “before” images are vital evidence for post-storm insurance claims. Store copies securely in the cloud for access even if your office is damaged.
3. Schedule a Pre-Storm Property Inspection
Have your buildings and roofs inspected by a licensed professional or a public adjuster offering pre-loss assessments. Identifying minor issues now (loose flashing, clogged drains, deteriorating shingles) can prevent major storm damage—and strengthen your claim if damage occurs.
4. Confirm Your Emergency Response Plan
Ensure your HOA or condo board has:
- A hurricane preparedness plan in place
- Vendor contracts ready (debris removal, board-up services, water mitigation, etc.)
- Emergency contacts updated and accessible (property managers, board members, first responders)
📌 TIP: If your current plan hasn’t been updated in the last 12 months—or doesn’t account for hurricane-specific risks—revise it immediately.
5. Communicate with Residents
Clear, proactive communication builds trust and reduces panic. Send reminders about:
- How hurricane prep differs for unit owners vs. the association
- What to expect in the event of an evacuation
- Who to contact for insurance-related questions
📌 TIP: Consider distributing a “Storm Prep Guide” to all residents, with tips on protecting their units and understanding the insurance process.
6. Understand Your Deductibles and Financial Exposure
Many master policies include percentage-based deductibles for hurricane damage (e.g., 3% of the building’s insured value). For large buildings, this can mean six-figure out-of-pocket costs. Plan now:
- Set aside reserve funds
- Consider deductible buy-down insurance
- Discuss with a public adjuster how to reduce financial exposure
7. Build Your Recovery Team Now
Don’t wait until after the storm to start looking for help. Your recovery team should include:
- A public adjuster to advocate for full insurance payout
- Legal counsel familiar with association responsibilities post-storm
- Vendors on retainer for emergency repairs
- A claims documentation specialist, if not handled in-house
📌 TIP: Having these professionals lined up in advance ensures you’re not scrambling when everyone else is doing the same.
Final Thoughts
A well-prepared association is a resilient one. The 2025 hurricane season is expected to be active—don’t leave recovery to chance. If your community needs help reviewing policies, inspecting your property, or building a post-storm claims strategy, we’re here to advocate for you.
Let us help you build your storm recovery plan—before the clouds roll in. Want a free 13-point hurricane readiness inspection for your property?
