Usually not. Florida insurers issue a “binding moratorium” when a tropical storm or hurricane threatens the state, which stops them from writing new policies or increasing coverage until the storm passes. Moratoriums typically start when a storm enters a defined watch area or forecast cone, which can be days before landfall.
The same applies to flood insurance, which generally has a 30-day waiting period anyway. Hurricane season runs June 1 through November 30, so review your coverage limits, deductibles, and flood protection in the spring. If you’re buying a home in Orlando or Oviedo during hurricane season, get your insurance bound early in the contract period so a storm doesn’t delay your closing.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
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