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As the Atlantic hurricane season begins, homeowners and business owners across Massachusetts must prepare for more than just high winds and heavy rains. The 2025 season is expected to be above average, with an increased risk of damaging storms that can disrupt communities, cause costly damage, and halt business operations.
While most people think of wind damage when it comes to hurricanes, flooding is often the most devastating and expensive aftermath—and unfortunately, it’s not always covered under standard insurance policies. If you have any questions, contact our office at or Complete our online quote form today!
🌀 The Hurricane Season Forecast
The Insurance Information Institute (Triple-I) has issued a warning that the 2025 hurricane season is likely to see heightened activity. That means more named storms, more potential landfalls, and a greater likelihood of costly damage across coastal and inland areas alike.
• Storms can impact everything from residential neighborhoods to small businesses, causing:
• Power outages and infrastructure damage
• Water intrusion and flooding
• Inventory and equipment loss
• Temporary closures or relocation of business operations
For business owners, this also means lost income and disrupted customer relationships.
🏚️ Flooding: A Major Risk That’s Often Uncovered
In Massachusetts, most standard homeowners and commercial property insurance policies do not include flood coverage—even if the flood is caused by a hurricane. Many residents are surprised to find out that water damage from storm surge, heavy rain, or overflowing rivers is only covered if you have a separate flood insurance policy, typically available through the National Flood Insurance Program (NFIP).
That means:
• If a hurricane hits and your basement floods, your homeowners insurance likely won’t pay for the repairs.
• If water damages your storefront, merchandise, or office equipment, your commercial policy may not provide relief.
This makes flood insurance an essential part of hurricane preparedness for both homeowners and business owners in Massachusetts—especially in flood-prone or coastal areas.
✅ Preparedness Tips
The Massachusetts Division of Insurance stresses the importance of early planning. Here’s how to protect your property and livelihood:
• Review Your Policies: Understand exactly what is and isn’t covered.
• Purchase Flood Insurance: Don’t wait until a storm is approaching—flood insurance policies typically take 30 days to go into effect.
• Create a Storm Plan: Know evacuation routes, secure important documents, and establish backup communication methods.
• Safeguard Your Business: Make a continuity plan, backup data, and secure vital inventory and equipment.
Don’t Wait for the Storm to Hit
Whether you own a home, a business, or both, hurricane season demands serious attention. The right insurance coverage can make all the difference between a total loss and a manageable recovery.
Let Encharter Insurance help you review your policy, explore your flood insurance options, and prepare with confidence.
Chat with an Encharter agent about your insurance today:
Complete our online quote form
Sources: Massachusetts Division of Insurance: Preparedness is Key for Severe Storms
Triple-I Stresses Preparedness for Above-Average 2025 Atlantic Hurricane Season
