As South Florida heads into another hurricane season, preparation is not just smart, it is essential. For Ava Stewart, owner of Ava D. Stewart Insurance & Financial Services, preparation is about helping families feel confident and protected before a storm ever forms. With deep local knowledge and a hands-on approach, Ava and her team work closely with clients to ensure their coverage matches the realities of living in a high-risk region.
Beyond policies, Ava emphasizes practical readiness. From stocking up on essentials to documenting your belongings, small steps taken now can make a major difference later. As storms become more unpredictable, having both the right coverage and a clear plan in place is one of the best ways to protect what matters most.
What should families be doing right now as hurricane season approaches?
Start early. Waiting until a storm is on the radar usually means long lines, empty shelves, and added stress. Take advantage of Florida’s tax-free holidays to stock up on essentials like batteries, flashlights, generators, and other emergency supplies. It is a great way to save money while getting ahead of the season.
What is one step homeowners often overlook when preparing for a storm?
Documenting your personal property is a big one. Every year, take photos or videos of the contents of your home. Open drawers, closets, and cabinets. In the event of a claim, you will need to provide an itemized list of what was damaged or lost, and having visual proof makes that process much smoother.
What is the best way to store those records safely?
Make sure your documentation is stored somewhere secure and accessible outside your home. Email it to yourself, save it in the cloud, or even send it to a trusted relative in another area or state. If your home is impacted, you want to be able to access those records immediately.
How often should homeowners review their insurance coverage?
At least once a year, ideally at your policy renewal. Most insurance companies allow you to adjust coverage levels or deductibles at that time. It is important to review those options with your agent to make sure your policy still fits your needs and budget.
Why is it important to revisit coverage regularly in South Florida?
Because things change. Property values shift, construction costs increase, and your personal situation evolves. What worked for you last year may not be enough today. A quick review can help you avoid surprises when you need your coverage most
What is your biggest piece of advice for families heading into this season?
Do not wait. Preparation brings peace of mind. Whether it is reviewing your policy, gathering supplies, or documenting your home, taking action now puts you in a much stronger position if a storm comes our way.
With hurricane season on the horizon, a little preparation today can prevent major headaches tomorrow. Ava Stewart and her team are available to help residents review their coverage, understand their options, and feel ready for whatever the season may bring.
Ava offers a no-obligation risk analysis for all Miramar residents, homeowners, renters, and business owners. Whether you need to cover your home, apartment, office, or home-based business, State Farm has protection packages that fit your needs and budget. This complimentary service will help identify risks and give you peace of mind.
Call 954-450-8355 to schedule yours today, or stop by the office at 11318 Miramar Pkwy, Miramar, FL 33025. For more information about Ava or State Farm®, visit www.avastewart.com.
