Triple-I Offers Floridians Preparedness Tips as Nicole Nears


For immediate release

Florida Press Office: Mark Friedlander, 904-806-7813,



SAINT JOHNS, Fla., Nov. 9, 2022 — Floridians should be alert for the potential impacts of Tropical Storm Nicole, which is forecast to make landfall either tonight or early tomorrow as a hurricane, according to the Insurance Information Institute (Triple-I). 


“The 2022 Atlantic hurricane season concludes at the end of this month, yet Floridians must once again prepare for severe weather from a tropical system,” said Sean Kevelighan, CEO, Triple-I. “Residents who live in coastal states from Maine to Texas are vulnerable to the direct impacts of hurricanes and tropical storms. All it takes is one storm to make it an active season for you and your family.”


The Triple-I offers these preparedness tips for everyone in Nicole’s path: 


  • Write down the name and phone number of your insurer and insurance professional and keep this information either in your wallet or purse 
  • Fully charge your cell phones so you can receive weather alerts
  • Prepare your yard by removing all outdoor furniture, lawn items, planters and other materials that could become airborne due to high winds 
  • Heed all mandatory evacuation orders from local emergency management officials in areas vulnerable to life-threatening storm surge


Damage caused by hurricanes and tropical storms are covered under different insurance policies, according to the Triple-I.  


Wind-caused property damage is covered under standard homeowners, renters and business insurance policies. Renters’ insurance covers a renter’s possessions while the landlord insures the structure.  Florida has specific laws governing when hurricane deductibles—the amount of loss paid by the policyholder when filing a windstorm claim—apply to residential property insurance policies.


Property damage to a home, a renter’s possessions, and a business – resulting from a flood – is generally covered under a FEMA National Flood Insurance Program (NFIP) policy, if the homeowner, renter or business has purchased one. Dozens of private insurers also offer flood insurance. 


Private-passenger vehicles damaged or destroyed by either wind or flooding are covered under the optional comprehensive portion of an auto insurance policy. Nearly 80 percent of U.S. drivers choose to purchase comprehensive coverage. 




Triple-I CEO Sean Kevelighan Talks Hurricane Preparedness

Triple-I Non-Resident Scholar Phil Klotzbach Offers Update on Nicole’s Path (Nov. 8, 2022)

Hurricane Preparedness Tips   


Facts & Statistics:  




Catastrophes: Insurance Issues 

Hurricanes and Windstorm Deductibles 

Understanding Your Insurance Deductible 



What Are Hurricane Deductibles? 

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