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June 10, 2019

Financial Housekeeping for Hurricane Season

It's the time of year Floridians all dread—the start of hurricane season. Take precautions now to ensure your family is financially prepared, just in case a big one heads our way.

Perform an Insurance Checkup

Take a look at your insurance policy to make sure you have the appropriate level of coverage and that you can afford to pay any deductibles if necessary. Keep in mind that the Federal Emergency Management Agency (FEMA) released updated flood maps for Hillsborough and Pinellas counties earlier this year. The nearly 60,000 affected residents should have been notified about the changes so they could purchase appropriate flood insurance. If you live in a coastal community in Hillsborough or Pinellas, you should double check to make sure you aren’t affected by using this tool on FEMA’s website.

Collect Important Documents

We all know we’re supposed to store a whole slew of personal and financial documents somewhere safe, but how many of us actually keep up with this task? If you’ve been slacking, the start of hurricane season is the perfect motivation to gather up the following:

  • Social security cards, military IDs, birth certificates, passports, and/or copies of driver licenses for all members of your household
  • Copies of all insurance policies and/or cards (homeowners, auto, health, and life)
  • Property tax statements and copies of your latest utility bills (these may be needed if you apply for FEMA assistance)
  • Contact information for your household members’ physicians and pharmacies
  • Immunization records for all members of your household
  • Contact information for all financial institutions where you hold accounts. You can reach MIDFLORIDA’s Help Desk at (863) 688-3733 or toll free at (866) 913-3733. Help Desk is open Monday through Saturday from 7am to 8pm, but please note that this could change in the event that our facilities are affected by a storm.
  • Your MIDFLORIDA routing and checking account numbers

Help Us Help You

In the event that you need to evacuate from a storm, you’ll likely end up making purchases outside of your normal shopping habits. This could result in your account being flagged for fraud, which would prompt our system to send a text to the phone number on file, asking you to verify that you made the purchases. Failure to reply to the text could result in a hold on your account, and that’s the last thing you’ll want to deal with in the midst of a storm! Please log in to Online Banking and visit the Profile section to verify that we have the correct phone number on file.