Florida Hurricane Guide for Homeowners: How to Prepare and Recover

As Florida braces for a potential hit from Hurricane Milton, it’s vital to have a plan in place before the storm arrives and know where to turn for help in its aftermath. 

Whether you’re protecting your home from damage or seeking assistance for mortgage relief, these resources will help you navigate through challenging times.

Before the Storm: Essential Hurricane Preparation Tips

1. Prepare an Emergency Kit:
   • Pack essential items, such as water, non-perishable food, first-aid supplies, medications, flashlights, and batteries.
   • Make sure you have enough supplies to last at least five days.
2. Create a Communication Plan:
   • Ensure you have a way to communicate with family, friends, and local authorities.
   • Charge all battery packs and devices ahead of time.
   • Fill bottles with water and store them in your fridge or freezer.
3. Evacuation:
   • If you’re in an evacuation zone, follow orders from local authorities. Know your evacuation routes and shelters nearby.
4. Prepare Your Home:
   • Board up windows, secure loose outdoor items, and clear gutters and downspouts.
   • Take photos of your home for insurance purposes.
5. Backup Important Documents:
   • Store vital records (like insurance papers, medical records, and identification) in a waterproof container.
   • Upload digital copies to a cloud-based service.

After the Storm: Recovery Resources and Next Steps

Once the storm has passed, your safety and recovery efforts are just as crucial. Here are some key steps and resources to help you get back on your feet:

1. Report Damage to Your Home:
   • Document any storm damage with photos and videos for insurance claims.
   • Contact your insurance company as soon as possible.
2. Mortgage Assistance and Relief Programs:
   • Mortgage Payments: If you’re having trouble after the storm with making your payments, reach out to your lender and proactively communicate with them to come up with a plan. Also, reach out to your loan officer as they may have some suggestions that could help you in your unique situation.
   • Disaster Assistance: Programs through Fannie Mae, Freddie Mac, FHA, and VA provide temporary relief from mortgage payments. 
   • FEMA: Apply for federal disaster assistance through the Federal Emergency Management Agency if your property has been damaged in a declared disaster area. They offer grants to cover uninsured losses and temporary housing.
3. Additional Disaster Recovery Resources:
   • American Red Cross: They provide shelter, emergency assistance, and recovery services.
     • American Red Cross
   • Florida Division of Emergency Management: They offer up-to-date disaster recovery information and statewide resources.
     • Florida Disaster Resources
   • FEMA: Apply for individual assistance, or check if your area is eligible for federal disaster aid.
     • FEMA Disaster Assistance
   • Florida Disaster Fund: A voluntary private fund to assist in disaster recovery efforts.
     • Florida Disaster Fund
   • Florida Housing Finance Corporation (FHFC): Provides emergency mortgage assistance and resources for home repairs.
     • FHFC Resources

Post-Hurricane Home Safety & Recovery Tips

1. Check for Hazards: Avoid downed power lines and structural damage. Stay safe and report hazards to local authorities.
2. Food & Water Safety: If power has been out for an extended period, discard perishable foods. Boil or treat water if necessary.
3. Mental Health Support: Hurricanes can take an emotional toll. Reach out to local mental health services or the Disaster Distress Helpline (1-800-985-5990) for support.

By using these resources and taking steps to prepare and recover, Florida homeowners can better weather the storm and stay safe. Always prioritize safety, stay informed, and connect with the appropriate assistance programs when needed.