While the quiet season may reduce catastrophe losses and improve insurer financial performance, homeowners in hurricane-prone areas remain at risk. A single major storm could still result in severe property damage, especially for those with coverage gaps. Common issues include percentage-based hurricane deductibles, lack of flood insurance, and insufficient ordinance or law coverage for rebuilding under updated codes. Heavy rainfall from tropical systems can also lead to water backup losses, highlighting the importance of sewer and drain coverage. Homeowners should carefully evaluate their policies to ensure adequate protection.