Nobody in Fort Myers needs a lecture on hurricanes: Ian in 2022 made Lee County the center of the story, and longtime residents remember earlier storms too. From a chimney's perspective, a hurricane is hours of wind trying to peel off the cap and lift the flashing, combined with rain driven sideways into mortar joints and siding seams that ordinary vertical rain never tests. The chimney is the tallest, most exposed thing on the roof, and it takes the storm first.
After a major storm, homeowners can look from the ground for missing caps, shifted covers, new stains, or lifted metal and request a service visit if anything has changed.
Ordinary summer earns respect here too. Even without a named storm, Southwest Florida's wet season delivers a violent hour most afternoons from June into September, plus some of the most active lightning weather in the country. A chimney that enters June with a sound crown, tight flashing, secure cap, and waterproofed masonry shrugs all of it off. One that enters June with a 'we'll get to it' list usually gets to it by August, the hard way.