NORTON INSURANCE

Hurricane Resource Center

Prepare before the storm. Protect your property afterward. Find trusted local flood maps, emergency resources, and claims contacts.

Serving local families and businesses since 1982.

Protect your property Secure loose items and document your home or business.
Plan ahead Review policies, supplies, evacuation routes and business plans.
Recover with confidence Document damage, report claims and keep repair records.
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✓ Before the Storm

Prepare your family, home, business and insurance information.

For Homeowners & Residents

  • Secure patio furniture, decorations, grills and loose outdoor items.
  • Charge phones and power banks; prepare flashlights, batteries and radios.
  • Stock water, food, medications, first-aid items and pet supplies.
  • Fuel vehicles and generators. Run generators outdoors, away from doors and windows.
  • Know your evacuation zone, route, destination and family communication plan.
  • Install approved storm shutters and protect openings when appropriate.

For Business Owners

  • Back up computers, customer records, financial data and important files to a secure offsite location.
  • Tell employees about closures, remote-work plans and emergency updates.
  • Secure equipment, vehicles, signs, inventory, construction materials and documents.
  • Identify critical operations and prepare a business continuity and reopening plan.
  • Review commercial property, business income and flood insurance information.

Insurance Preparation

  • Photograph or video the roof, exterior, rooms, contents, vehicles, equipment and inventory before damage.
  • Save policy numbers, declarations pages, insurer claims numbers and contact details.
  • Review hurricane deductibles and any separate flood policy.
  • Store copies of key documents where you can access them if evacuated.

✓ After the Storm

What to do if your home or business has damage.

  1. Stay safe. Follow emergency officials' instructions. Avoid floodwater, downed lines, unstable structures and electrical hazards.
  2. Document everything before cleanup. When safe, take wide-angle and close-up photos and videos of each damaged room, the roof, exterior, windows, flooring, contents and equipment. Record dates and create a written inventory.
  3. Contact your insurance company promptly. Use the claims number on your policy or the directory below. Have your policy number, loss address, date of loss, damage description and contact details ready. Write down your claim number.
  4. Prevent further damage. Policies generally require reasonable steps to protect property from additional damage, when safe. Arrange temporary tarping, boarding or water mitigation as needed. Do not risk injury or make extensive permanent repairs before discussing them with your insurer.
  5. Save receipts and evidence. Keep invoices for temporary repairs, materials, mitigation and eligible additional living expenses. Retain damaged items where practical; photograph anything that must be discarded for safety.
  6. Expect a claim acknowledgment and next steps. Florida law generally requires insurers to acknowledge claim communications within seven calendar days, subject to exceptions. The insurer will explain inspections and documentation; after a widespread storm, inspection scheduling can take longer. Ask your carrier for a specific timeline.
  7. Prepare for the adjuster. Share photographs, your inventory, receipts and contractor estimates. Ask what information is still needed and how to submit supplements.
  8. Stay in touch. Monitor calls, emails and the insurer's claims portal. Keep a log of communications and promptly respond to requests.
  9. Review the outcome. Check the damage estimate, deductible, depreciation and payment details. Ask about overlooked damage or supplemental claims if necessary.
Wind and flood are different. Flood damage is generally excluded from standard homeowners policies and may require a separate flood claim.

Find Your Flood Zone: Okaloosa & Walton Counties

Look up a property using official flood-zone maps. A flood zone is not the same as a hurricane evacuation zone, and flooding can happen outside high-risk mapped areas. Standard homeowners insurance generally does not cover flooding.

Okaloosa County Flood Map

Search by address or parcel in the county's GIS viewer and enable the FEMA flood-zone layer.

Open Okaloosa Flood Map ↗

Walton County Flood Map

Use the county's General Interactive Map to view parcels, addresses and mapped flood zones.

Open Walton Flood Map ↗

The illustrations above are decorative, not actual flood-zone maps. Use the official interactive county maps for location-specific information. For an official FEMA map determination, visit FEMA's Map Service Center.

Important Storm Resources

National Hurricane Center ↗

Official forecasts, storm tracks, watches and warnings.

Okaloosa County Emergency Management ↗

Local alerts, preparedness and evacuation information.

Walton County Emergency Information ↗

County updates and links to emergency resources.

Florida DBPR ↗

Check contractor licenses before arranging repairs.

NAHB Disaster Preparedness & Recovery ↗

Resources for homeowners and construction businesses.

NAHB Hurricane Preparedness Checklist ↗

Downloadable housing-industry checklist (PDF).

Insurance Company Claims Contacts

Report damage directly to your insurance carrier using the information on your policy. This quick-reference list is provided as a convenience; numbers and websites can change.

Official state directory: Florida Office of Insurance Regulation — Property Insurance Company Contacts (PDF) ↗

The state list is dated June 1, 2021. The quick-reference contacts above have not all been independently reverified for 2026. Confirm the correct claims number on your policy or the carrier's current website before use.

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Claims Inquiry

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