The Mortgage Insider - Home Financing with Contemporary Mortgage

How to Prepare Yourself and Your Home for Hurricane Season

Hurricane season is a reality for those who live in Florida. From June to November, residents and visitors alike must be aware of the potential for hurricanes and the damage they can cause. While it is impossible to predict when and where a hurricane will strike, there are steps you can take to prepare for the worst-case scenario. In this blog post, we will discuss how to prepare for hurricane season in Florida.

At the end of this blog post, we included a link to download our printable full hurricane preparation checklist!

1. Create a Hurricane Kit

One of the most important things you can do to prepare for hurricane season is to create a hurricane kit. This kit should include essentials like non-perishable food, water, medications, first aid supplies, and a battery-powered radio. You should also include important documents like insurance policies, identification, and birth certificates. Having a kit ready before the storm hits can make all the difference in the world.

2. Plan for Evacuation

If you live in an area that is prone to flooding or is in the direct path of a hurricane, it may be necessary to evacuate. It is important to have a plan in place for evacuation before the storm hits. This includes knowing the evacuation routes in your area, identifying a safe place to go, and having transportation available if needed.

3. Secure Your Home

Securing your home before a hurricane can help to minimize damage. This includes trimming trees and shrubs, securing loose outdoor items like patio furniture, and boarding up windows. You should also make sure that your roof is in good condition and that your gutters are clear of debris.

4. Stay Informed

It is important to stay informed during a hurricane. This means monitoring weather reports and updates from local officials. You should also have a way to receive emergency alerts, such as a NOAA weather radio or a smartphone app.

5. Have a Communication Plan

During a hurricane, it may be difficult to communicate with loved ones. That's why it's important to have a communication plan in place. This can include having a designated family member or friend to check in with, establishing a meeting place, and having a backup method of communication like a two-way radio.

6. Be Prepared for Power Outages

Power outages are common during hurricanes, so it's important to be prepared. This includes having flashlights, batteries, and a backup generator if possible. You should also turn off and unplug electronics to avoid damage from power surges when power is restored.

In conclusion, being prepared for hurricane season in Florida is essential. By creating a hurricane kit, planning for evacuation, securing your home, staying informed, having a communication plan, and being prepared for power outages, you can increase your chances of staying safe during a hurricane. Remember, it's always better to be over-prepared than under-prepared when it comes to hurricanes.



At Contemporary Mortgage, we understand the importance of being prepared for unexpected events like hurricanes. That's why we offer a wide range of mortgage options to help you and your family purchase or refinance your home. Our team of experienced professionals is dedicated to helping you with all your home financing needs, including preparing for hurricane season. Contact us today to learn more about how we can assist you in securing your dream home and preparing for the unexpected.


Posted by Austin Howland on May 18th, 2023 5:47 PM

How to File for Homestead Exemption

Are you a homeowner in Florida looking to save on property taxes? Filing for a homestead tax exemption can help you do just that. Here’s what you need to know about the process.


What is Homestead Tax Exemption?

Homestead tax exemption is a legal provision that reduces the taxable value of your property by up to $50,000, making your property taxes lower. To qualify for homestead tax exemption, you must own and occupy your home as your primary residence as of January 1 of the tax year.


How to File for Homestead Tax Exemption in Florida?

To file for homestead tax exemption in Florida, you need to follow these steps:

Step 1: Gather Required Documents

To file for homestead tax exemption, you need to have the following documents:

  • Proof of Ownership: Deed, settlement statement or other official document proving ownership.
  • Proof of Residency: Florida driver’s license, voter registration card, or other official document that proves you live in the property as of January 1st.
  • Vehicle Registration: Florida vehicle registration with the address that matches the property’s address.

Step 2: Complete the Application

Once you have the required documents, you need to complete the application for homestead tax exemption. You can get the application from your county property appraiser’s office or download it from their website.

Step 3: Submit the Application

Submit the completed application to your county property appraiser’s office. The deadline to file for homestead tax exemption is March 1st of the tax year.

Step 4: Wait for Approval

The county property appraiser’s office will review your application and supporting documents. If everything is in order, they will approve your application and notify you of your homestead tax exemption status.

Benefits of Homestead Tax Exemption

The benefits of homestead tax exemption are:

  • Reduced property taxes: The taxable value of your property is reduced by up to $50,000, making your property taxes lower.
  • Protection from creditors: Homestead tax exemption provides limited protection from creditors by making a portion of your property off-limits to them.
  • Portability: You can transfer your homestead tax exemption to a new Florida home if you sell your existing home and buy a new one within 2 years.


Filing for homestead tax exemption in Florida is a simple process that can help you save on property taxes. Make sure you file before the March 1st deadline to take advantage of this valuable tax break.

Feel free to reach out to us for more information: 407-834-3377

Posted by Austin Howland on April 25th, 2023 8:45 PM


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