Blog - Sound Insurance Solutions, LLC

Hurricane Season: How Far Inland Can the Damage Go?

Title: Hurricane Season & Inland Risk: What Insurance Clients Need to Know

As hurricane season rolls in from June through November, the focus often falls on coastal areas. But what many don’t realize is that the destructive power of hurricanes can stretch hundreds of miles inland, affecting communities far from the shore. As your insurance advisor, we want to help you understand and prepare for these risks—no matter where you live.

Inland Doesn’t Mean Immune

While storm surge is a coastal threat, hurricanes bring more than just rising tides. As these systems move inland, they can unleash:

Damaging winds strong enough to topple trees, damage roofs, and knock out power.
Heavy rainfall leading to flash flooding in neighborhoods, streets, and basements.
Tornadoes that spin off suddenly and cause localized destruction.
Infrastructure disruptions such as extended power outages, blocked roads, and service interruptions.

These risks can impact homes, businesses, vehicles, and personal property—even in areas not traditionally considered hurricane zones.

What This Means for Insurance Clients

It’s important to understand that standard insurance policies may not automatically cover all hurricane-related damage, especially from flooding or wind.

Here’s how you can protect yourself:

1. Review Your Coverage

Ensure your homeowners or renters policy includes wind damage coverage, especially for tropical storms or hurricanes.
Consider flood insurance—even if you’re outside a FEMA-designated flood zone. Flooding can occur almost anywhere under the right conditions.
For business owners, explore business interruption insurance to protect income if storm-related damage shuts down operations.

2. Inventory Your Property
Create a home or office inventory with photos, serial numbers, and receipts. Store this digitally or off-site so it’s accessible after a loss.

3. Prepare Your Property

Trim trees and remove dead branches near structures.
Clear gutters and downspouts to handle heavy rainfall.
Bring in outdoor furniture or equipment to prevent wind damage.
Make sure sump pumps and generators are in working order.

4. Know Your Risk
Many inland property owners are unaware they’re in a moderate or high flood-risk zone. Use online tools or contact our office to assess your property’s vulnerability.

Peace of Mind Starts with Preparation

You don’t need to live on the coast to experience hurricane-related damage. Inland flooding, wind, and storm-related events can cause extensive property losses—and many policies don’t automatically cover them. That’s why we’re here: to help you evaluate your risk and ensure you’re protected before a storm ever forms.

Have questions or want to review your coverage? Contact us today. Let’s make sure you’re prepared—no matter where you are.

Memorial Day Weekend

Honoring the Brave: A Memorial Day Reflection

As we welcome the unofficial start of summer with barbecues and family gatherings, it’s important to pause and remember the true meaning of Memorial Day. This solemn holiday, observed on the last Monday of May, honors the men and women of the U.S. military who gave their lives in service to our country.

Originally known as Decoration Day, Memorial Day began after the Civil War as a time to decorate the graves of fallen soldiers. Over the decades, it has evolved into a national day of remembrance, marked by ceremonies, parades, and moments of silence across the country.

While it’s a time for togetherness and celebration, it’s also a moment for reflection—on the sacrifices made for our freedoms and the cost of peace. Whether you’re visiting a cemetery, attending a local event, or simply flying the American flag, we encourage you to take a moment this Memorial Day to honor those who gave everything for our nation.

Let us never forget their bravery. Let us carry their legacy forward.

Tornado Season Has Arrived!

In the South, tornado season typically occurs from March through May, similar to the rest of the U.S. However, tornadoes can happen year-round, especially in certain areas like Texas, Louisiana, Mississippi, Alabama, Georgia, and Florida.

March to May: This is the primary tornado season in the South, with April and May being the peak months for tornadoes in many of these states. Warm, moist air from the Gulf of Mexico meets cooler, dry air from the north, creating conditions conducive to severe storms.
Summer (June to August): Tornadoes can still occur, but they are typically less frequent in the South during these months. However, tropical storms and hurricanes can also bring tornadoes to the region, especially along the Gulf Coast.
Fall (September to November): Tornadoes are still possible, particularly with remnants of tropical storms and hurricanes, which can often spawn tornadoes as they move inland.

Tornadoes in the South are often associated with severe thunderstorms and can happen quickly, so it’s important to stay alert, especially during the peak season in the spring.