Tropical storm Fred has developed into a Hurricane  and is now on a  westerly track toward the Eastern seaboard of the United States. The storm should not be an issue till next weekend, and Florida may not be a target. It is way to early to tell, but not to early to check your  Home Insurance coverages to be sure you are protected. Please check your flood policy as well since they are often incorrect and need adjustments.The Customer service department where you purchased  your Insurance policy should be able to help you.