Smart Moves, Safe Homes, and a Smooth Transaction in SWFL
Ah, Southwest Florida—home to sunshine, palm trees, and the Gulf breeze. But from June through November, we trade our carefree beach days for a little side of storm prep. 🌀
Yes, it’s hurricane season, and if you’re a homeowner, buyer, or seller in Naples, Fort Myers, or surrounding areas, it’s time to get smart, stay safe, and plan ahead. Here’s your go-to guide for hurricane season and how it impacts real estate in Southwest Florida.
🏠 If You’re a Homeowner: Safety & Insurance First
Even if you’re not buying or selling this year, now is the time to protect your investment—and your peace of mind.
✅ 1. Review (or Get) Your Insurance Policies
Make sure your homeowners insurance is current and includes:
- Windstorm coverage
- Flood insurance (yes, even if you’re “not in a flood zone”—surprise flooding happens!)
👉 Pro Tip: Most policies have a 30-day waiting period for flood insurance, so don’t wait until a storm is named!
✅ 2. Create a Storm-Ready Checklist
Here’s a quick-start version:
- Trim trees and remove loose outdoor items
- Check your shutters or impact windows
- Stock up on emergency supplies (batteries, water, generator fuel)
- Review your evacuation zone and plan
Bonus Tip: Take photos/videos of your property and possessions for easier insurance claims later.
🏡 If You’re Buying: What to Know Before Closing During Hurricane Season
Buying a home between June and November? No worries—but timing and awareness are key.
⚠️ 1. “Insurance Binding Suspensions” Are a Real Thing
When a hurricane is projected to impact Florida, insurance companies pause writing new policies—this means closings can be delayed if you’re not already insured.
What to do:
- Bind insurance early in the transaction
- Work with a local agent who understands storm-season timelines
🔍 2. Check the Home’s Storm Resilience
Before you fall in love with those waterfront views, ask:
- Does the home have impact-rated windows and doors?
- What’s the age of the roof?
- Is it in a high-risk flood zone (Zone A or AE)?
Having the right protections could save you thousands on insurance premiums—and give you peace of mind.
🏘️ If You’re Selling: Get Your Property Storm-Ready
Hurricane season doesn’t mean you have to delay selling, but it does mean presentation and preparation matter more than ever.
🛠️ 1. Highlight Storm-Resistant Features
Got a new roof, hurricane shutters, or impact glass? Brag about it! These features:
- Increase buyer confidence
- Add value to your home
- May help close deals faster during storm season
🧹 2. Keep It Show-Ready and Storm-Ready
If a storm is brewing, secure patio furniture, remove debris, and protect landscaping. Don’t forget to store listing signagetemporarily—nobody wants a “For Sale” sign flying through the neighbor’s window.
📦 Extra Tips for Everyone: Real Estate & Hurricane Season
- 📝 Keep digital and printed copies of all documents—closing papers, insurance, inspection reports
- 🗓️ Plan ahead for closings: Build flexibility into your timeline just in case
- 📱 Stay connected: Sign up for local alerts from your city or county for evacuation notices and storm updates
☀️ Don’t Fear the Storm—Prepare for It!
Living in Southwest Florida means embracing the beauty and preparing for the unpredictability. Whether you’re buying your dream home, selling a family estate, or settling in for another season, being prepared is the key to protecting your investment—and your sanity.
Need help navigating real estate during hurricane season? I’ve got you covered (rain or shine). Let’s talk insurance, smart home features, and everything in between.
📞 Contact me today for expert guidance on buying or selling in SWFL—no storm can stop a great deal!
