Don’t Get Stuck in “The Box”: Secure Homeowners Insurance Before the Storm
In Florida, hurricane season runs from June 1 to November 30—and if you’re buying a home during this time, you need to be aware of a critical window that could delay or even derail your closing: “The Box.”
What Is “The Box”?
“The Box” is an industry term that refers to a designated area—roughly 16,000 square miles across Florida, the Gulf, and the Atlantic. When a named tropical storm or hurricane enters this area, insurance companies suspend binding new policies, especially for windstorm or hurricane coverage.
This means if a storm is approaching and you’re not already insured, you’re out of luck until the storm passes and insurers lift the freeze.
What Happens When a Storm Enters “The Box”?
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Insurers stop writing new policies or making changes to existing ones.
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Buyers who haven’t already bound their coverage may be unable to close on time.
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Even if your closing is scheduled days or weeks away, a storm entering the box can put your entire timeline at risk.
Each insurance company may define “The Box” slightly differently, but if you’re buying property in Florida during hurricane season, you should assume the risk is real.
How to Avoid Insurance Delays During Hurricane Season
If you’re closing on a property—or modifying your existing coverage—take these proactive steps:
✅ Secure Insurance Early
Bind your homeowners insurance as soon as your contract is executed. Don’t wait for inspections or financing to wrap up before contacting your insurance agent.
✅ Talk to Your Agent
Your property and casualty insurance agent can walk you through the carrier’s requirements for binding coverage, including when payment is due and what documentation is needed.
✅ Stay Weather-Aware
Keep an eye on the tropics. A named storm can develop quickly and shut down insurance options overnight.
✅ Coordinate with Your Title Team
At The Title Link, we work closely with all parties to ensure your closing stays on track. But without insurance, a closing can’t happen—so it’s critical that this box gets checked early.
Pro Tip for Realtors and Lenders: Remind your buyers that delaying insurance decisions could cost them their closing date. A little early action can prevent major last-minute stress.
Stay safe, stay ready—and as always, we’re here to help.
Let’s connect! info@thetitlelink.com // 239-423-5465