How to navigate
hurricane season in Bermuda

Hurricane season runs from June to November, with most storms occurring in August, September, and October. At BF&M, we’re here to help you prepare for hurricane season so you can minimise damage to your property and keep your family safe before, during, and after a storm.

How to prepare for hurricane season

Get ready for hurricane season

Take these essential steps to hurricane-proof your home, prepare a home emergency kit, and create a family plan before the start of hurricane season.

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Insurance tips for hurricane season

Make sure your home insurance policy covers hurricane damage, review your sums insured, and learn how to make a claim before hurricane season starts.

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Before, during, and after a hurricane

What to do when a hurricane is in the forecast

When a storm is in the near forecast, take these proactive steps to prevent damage to your home and vehicle and protect your family when the storm hits.

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How to stay safe during a hurricane

When a hurricane hits, stay calm and be prepared to take action. Stay inside your home, away from windows, doors, and skylights.

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What to do after a hurricane has passed

When it’s declared safe to go outside again, steer clear of downed power lines and carefully inspect your property for damage caused by the storm.

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Up-to-date hurricane predictions for Bermuda

For current weather information, tune in to the Government Emergency Broadcast
Station on FM 100.1 mHz, or visit the Bermuda Weather Service online.

Extended forecast for Bermuda

View extended forecast

Active tropical systems in the Atlantic Basin

View local advisories

What is the difference between a
hurricane threat, watch, and warning in Bermuda?

	Hurricane Threat			Hurricane Watch			Hurricane Warning
When a storm is forecast to come within 100 nautical miles in the next 72 hours.			When the threat of hurricane conditions is 48 hours away.			When hurricane conditions are expected within the next 36 hours or less.

Review your insurance coverage to avoid underinsurance

If your home or belongings are damaged because of a hurricane, the last thing you want to discover is that you don’t have enough insurance coverage to repair or replace them — also known as underinsurance or being underinsured. Review the sums insured in your home insurance policy regularly to make sure they’re adequate for your current situation and that you have high enough limits to cover repairs to any damage.

Learn more about underinsurance

How to make an insurance claim for hurricane damage

If your home or property is damaged because of a hurricane, you can make a claim to cover the costs you face as a result.

Inspect your property

Make a detailed list of all damage to your home, property, and belongings. If possible, take photos of the damage too.

Submit your claim

Download and submit a property claim form, call us at +1 441 295 5566, or report your claim directly to [email protected].

Receive your payment

Wait to hear from us and get ready to receive your payment. We’ll contact you if we have any questions as we process your claim.