Hurricane Season in Massachusetts: Are You Financially Protected?

Mark Campbell
May 21
2 min read

🌪️ Hurricane Season Is Coming… Are You Ready?

Most homeowners in Massachusetts think:

👉 “It won’t happen to me.”

But every year, coastal communities like Marshfield, Scituate, Duxbury, and surrounding areas face:

Strong storms
Coastal flooding
Wind damage
Power outages

👉 And when it happens, it happens FAST.

The real question is:

❗ Are you financially prepared if your home is damaged?

⚠️ The Biggest Mistake Homeowners Make

Many homeowners assume:

👉 “My home insurance covers everything.”

But here’s the truth:

❌ Flood damage is NOT covered by standard home insurance❌ Some storm-related damages have limitations❌ High deductibles can cost you thousands

👉 That means you could be left paying out of pocket.

🌊 What Hurricane Damage Can Cost You

Even a single storm can lead to:

Roof damage
Water intrusion
Flooded basements
Structural issues
Loss of personal belongings

💸 Repairs can easily cost $10,000 – $100,000+

👉 Without proper coverage, that financial burden is yours.

🛡️ What Coverage You Should Have Before Storm Season

1. 🌊 Flood Insurance

Essential for coastal and flood-prone areas.

✔ Covers water damage from rising water✔ Required separately from home insurance

2. 🏠 Home Insurance (Wind & Storm Protection)

Covers:

✔ Wind damage✔ Roof damage✔ Certain storm-related incidents

👉 But coverage depends on your policy details.

3. 💰 Proper Coverage Limits

Many homeowners are:

❌ Underinsured❌ Not updated with current home value

👉 Your coverage should reflect today’s rebuilding costs.

4. 📄 Review Your Deductibles

Storm deductibles can be higher than you expect.

👉 Make sure you understand what you’ll actually pay.

💡 Why Timing Matters (THIS IS CRITICAL)

Here’s what most people don’t realize:

👉 You cannot wait until a storm is coming to get coverage.

Many policies:

Have waiting periods
Restrict last-minute enrollments

❗ Once a storm is approaching—it’s often too late.

📍 Why This Matters in Massachusetts

Living near the coast means:

Higher exposure to storms
Increased flood risks
Greater potential for costly damage

👉 Being proactive is the only way to stay protected.

🤝 How ABC & LTC Insurance Helps You Prepare

We help homeowners:

✔ Understand what’s actually covered✔ Identify dangerous coverage gaps✔ Add flood or supplemental protection✔ Adjust policies before storm season starts

👉 No confusion. Just clear, honest guidance.

📞 Call Now Before Storm Season Begins

Don’t wait until it’s too late.

👉 Call (781) 837-1941👉 Get a quick policy review👉 Make sure you’re fully protected before hurricane season

🔑 Final Thought

Storms are unpredictable.

But your financial protection shouldn’t be.

👉 The best time to prepare is BEFORE the storm—not during it.