Insurance before a Big Storm

When a storm is near to Florida at what time is it called "in the box"? At what time before a storm do the insurance companies stop writing policies?



I'm not sure what the meteorological standard is for calling a storm "in the box." However, it certainly means that the projected path is as accurate as the weather service can predict and it looks as if the storm is on track for a particular location.


As for the timing before a storm and the writing of policies, I don't believe that there is any "standard" for this. Each insurance company would have their own underwriting guidelines. However, if you are trying to buy just in time, I think you are taking a big chance. It could mean a much higher premium or a denial of coverage and if you are in the storm's path, you can't afford to be denied coverage.

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