CHARLOTTE, NC., (May 5, 2025) – As National Hurricane Preparedness Week kicks off, AAA – The Auto Club Group urges residents to take proactive steps to safeguard their homes, vehicles, and loved ones during National Hurricane Preparedness Week, which will lower the impacts of future insurance costs.
“The severity of the 2024 hurricane season was a stark reminder of how vulnerable we are to natural disasters,” said Jennifer Pintacuda, Vice President of Insurance Operations for AAA – The Auto Club Group. “Now more than ever, it’s crucial for residents to revisit their insurance policies and ensure they are fully protected before the next storm approaches.”
The 2024 Atlantic hurricane season was the third costliest on record, with $129.7 billion in damages and multiple Category 5 hurricanes. This staggering level of destruction underscores how preparedness is the key to minimizing future risks.
Survey Insights – How Carolinians are Preparing
Essential Tips for National Hurricane Preparedness Week
Interestingly, concerns over this hurricane season appear to be on the rise, with 20% of North Carolinians and 21% of South Carolinians feeling more anxious about potential storms than they did last year. A recent AAA survey reveals that the majority of Carolinians are taking hurricane preparedness seriously, with 57% of North Carolinians and 63% of South Carolinians making advanced preparations ahead of storm season.
As part of National Hurricane Preparedness Week, consider joining local community efforts to promote awareness and preparedness among your neighbors.
In light of National Hurricane Preparedness Week, 21% (NC) and 22% (SC) reported they have reviewed their insurance coverage to ensure they are prepared.
During National Hurricane Preparedness Week, consider evaluating your financial protection to safeguard against hurricane damage.
Prior to National Hurricane Preparedness Week, ensure your home is fortified to withstand potential hurricane impacts.
When asked about specific actions taken to safeguard against hurricanes, 47% of NC respondents and 49% of SC respondents reported purchasing supplies like batteries and portable chargers, while 37% (NC) and 34% (SC) bought extra food and water. Additionally, 24% in both states have taken steps to protect their property, yet only 21% (NC) and 22% (SC) have reviewed their insurance coverage.
National Hurricane Preparedness Week serves as a reminder to secure your property and belongings against potential storm damage.
“Financial protection is just as vital as stocking up on supplies,” said Pintacuda. “Having the right coverage can make all the difference when disaster strikes.”
Taking action during National Hurricane Preparedness Week can significantly impact your safety during the storm season.
Review Your Coverage
Preparing for hurricane season starts with understanding your insurance policies. Homeowners should review their coverage limits, ensuring they reflect current home rebuilding costs. Flood insurance, which typically has a 30-day waiting period before activation, is essential as most standard homeowner policies exclude flood damage.
National Hurricane Preparedness Week emphasizes the importance of proactive measures to protect your home and family.
During National Hurricane Preparedness Week, it is crucial to assess your readiness and make necessary adjustments to your emergency plans.
During National Hurricane Preparedness Week, review community resources available to assist with hurricane readiness.
Join your community in sharing tips and resources throughout National Hurricane Preparedness Week to enhance collective safety.
For vehicle owners, comprehensive auto coverage is a critical safeguard against hurricane-related damage. “Your car is just as vulnerable as your home during severe weather,” Pintacuda added. “Comprehensive coverage ensures you’re protected in case of flooding or debris damage.”
It’s important to note that when a storm is imminent, insurance providers often impose moratoriums, temporarily restricting policy changes. Reviewing your policies now will ensure you have coverage when you need it.
Hurricane Deductible
Understanding hurricane deductibles can help avoid financial shocks after a storm.
Many homeowners may not realize that hurricane deductibles are different from regular insurance deductibles. Instead of a fixed amount, they are a percentage of your home’s insured value, usually between 1% and 5%. For example, if your home is insured for $300,000 and has a 2% deductible, you would pay $6,000 before insurance covers storm damage. Homeowners should check their policy carefully to ensure the correct coverage and deductible percentage.
Fortify Your Home
Protecting your home before the hurricane season is one of the most crucial steps in staying safe during a storm. Reinforcing windows, securing roofs, and strengthening doors can help minimize damage and may lower your insurance premium.
The Insurance Institute for Business & Home Safety (IBHS) recommends:
- Low-Cost Options (Under $500):
- Caulk gaps and cracks around windows, doors, and vents.
- Anchor outdoor furniture and décor or bring them inside.
- Trim trees and remove loose branches that could become airborne.
- Medium-Cost Options ($500-$3,000):
- Replace entry doors with impact-rated models.
- Service your garage door annually. Upgrade to a wind-rated garage door.
- High-Cost Options ($3,000 and up):
- Replace windows with impact-resistant glass.
- Install hurricane shutters for all windows.
- Re-roof to a FORTIFIED Roof, proven to withstand high winds and torrential rain.
- Purchase a whole-house generator for power reliability during extended outages.
Actual costs may vary depending on home size, materials, and local contractor rates.
IBHS released compelling B-Roll footage demonstrating the devastating impact of wind and airborne debris on homes. The footage underscores the importance of proactive measures to strengthen residential structures against extreme weather conditions.
“Hurricanes are unpredictable, but your safety doesn’t have to be,” Pintacuda said. “Understanding your insurance, securing your home, and making a solid plan can make all the difference. If you take action now, you can face the season with confidence, knowing you’re protecting what matters most.”
For more information about hurricane preparation and insurance options, visit AAA.com/Insurance. To learn more about fortifying your home, view the IBHS guide.
About the AAA Consumer Pulse™ Survey
The AAA Consumer Pulse™ Survey was conducted online among residents living in Florida from April 7-10, 2025. A total of 400 residents completed the survey. The survey results asked for all respondents have a maximum margin of error of ± 4.9% points. Responses are weighted by age and gender to ensure reliable and accurate representation of the adult population (18+) in Florida.
As National Hurricane Preparedness Week concludes, continue to implement and refine your storm preparedness strategies.
For further insights during National Hurricane Preparedness Week, visit online resources that offer detailed advice on hurricane readiness.
Local News Via - MyrtleBeachSC.com
