As we approach two months away from the 2026 Storm Season (01 June to 30 Nov), we should start our preparations. Some factors have changed since the 2025 season that should be taken into account.
First, we need to recognize that financial constraints are hitting people harder. Regardless of how economists report inflation, things just seem more expensive, and budgets are just that much tighter. Check to make sure your insurance coverage is up to date and what it covers. Make a list of what’s covered, not covered, and any deductibles.
Second, make sure you understand what’s critical and what’s important. What do you absolutely need and cannot do without? Those goods and things are what you protect first. What do you consider important? Those come next. Make sure you hit a comfortable balance between what your coverage handles and what you’re going to handle yourself.
Third, financial constraints may mean that your preparations need adjusting. Remember, there is a balancing point here. Do you avoid making a claim and absorb the losses? Or do you make the claim and absorb the impact of potentially higher premiums?
Consider making your lists earlier. This allows you to spread out any purchases you need to make.
We are likely to hear that the “Super El Niño” may moderate the storm season. That’s comforting at one level remember two things. First, it only takes one storm. Second, our ocean waters are warmer than normal meaning that storms could (1) form earlier, (2) intensify rapidly, and (3) last further north. Taking a couple of hours a week to make sure you’re ready for the coming season is an investment that pays off when others are scrambling. You’ll find ideas and suggestions on the site on the mitigate and prepare pages
For additional info, see the AccuWeather website.