WBN USA
✍️ By Joel Goldman | WBN News USA |July 17, 2025 |
The 2025 Atlantic hurricane season is forecasted to be one of the most active on record, with NOAA predicting 13–19 named storms, 6–10 hurricanes, and 3–5 major hurricanes. This follows last year’s destructive storms, which caused over $37 billion in insured losses. Yet many property owners remain unaware of gaps in their hurricane and flood coverage.
The Cost of Extreme Weather
Alongside hurricanes, wildfires and tornadoes have already racked up tens of billions in 2025 losses. With reinsurance costs at a 20-year high, insurers are raising premiums and tightening policies—leaving homeowners and businesses vulnerable if they don’t review their coverage.
Common Coverage Gaps
· Flood Damage: Not covered by standard homeowners insurance; separate flood insurance is essential.
· Hurricane Deductibles: Often higher than standard deductibles and applied separately.
· Business Interruption: May not apply if specific conditions aren’t met—review your policy details.
· Underinsurance: Rising home values and repair costs can leave you severely undercompensated.
Insurance Types to Review Now:
· Homeowners Insurance: Confirm hurricane deductible terms and limits.
· Flood Insurance (NFIP or private): Crucial even outside FEMA zones.
· Commercial Property Insurance: Review exclusions and coverage for storm damage.
· Business Interruption Insurance: Ensure lost income coverage applies to hurricane-related closures.
· Builder’s Risk Insurance: If renovating or building, protect unfinished projects and materials.
How Starisks Can Help
At Starisks Insurance, we help homeowners, landlords, and business owners identify coverage gaps, review hurricane and flood protection, and customize policies for comprehensive protection—all while keeping costs fair.
Don’t wait until a storm is on the radar. Book a free consultation with Starisks Insurance today to secure the right coverage and avoid devastating financial surprises.
Joel Goldman | Insurance and Financing Advisor
At Starisks Insurance, Joel helps individuals and business owners navigate risk with tailored commercial, personal, and specialty coverage. Through HMMB Funder LLC, he provides fast, flexible hard money loans to fund real estate deals, renovations, and investment opportunities.
📩 Email: joelg@starisks.com
📞 Phone: +1 929-520-9596
🔗 LinkedIn: Joel Goldman
👉 Book Your FREE Initial Consultation via Calendly: Book Now
TAGS:
#Hurricane Season 2025 #Disaster Preparedness #Flood Insurance #Home Insurance #Business Insurance #Starisks Insurance #Joel Goldman
Editor for WBN: Chris Sturges
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