Introduction

Living in Miami means paradise most of the year—but come June through November, hurricane season reminds us that Mother Nature runs on her own schedule. As your insurance partner, we’ve seen too many vehicles damaged by preventable storm-related incidents. Here’s how to keep your car safe (and your premiums steady) when the skies turn gray.

Fill Up Early

When a storm is approaching, gas stations run dry fast—and sitting in evacuation traffic with the tank flashing empty is a nightmare you don't want. Keep your tank at least half full during peak season, and fill up 48 hours before landfall is projected.

Elevate and Relocate

If you live in flood-prone areas like Brickell, Wynwood, or near the beach, move your vehicle to higher ground. Even 6 inches of moving water can sweep away a car, and comprehensive claims for flood damage average $8,000–$12,000. Parking garages in Coral Gables or downtown Miami often open their upper levels for free during emergencies—take advantage.

Document Everything

Before the storm, snap photos of your vehicle’s condition. If a palm tree decides to redecorate your windshield later, you’ll have timestamped proof for a smoother claims process.

Stay Off the Roads Post-Storm

Downed power lines, debris, and flooded underpasses (looking at you, I-95 near the airport) create invisible dangers. If you must drive, treat every intersection as a four-way stop where signals are out.

Stay safe out there—and remember, the best claim is the one you never have to file.

Hurricane Season Driving: Protecting Your Car When the Storm Hits