Hurricane Season, How to Make Sure You’re Prepared

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Coastal residents all over the country are bracing themselves for what is thought to be a rough hurricane season ahead. This years season is predicted as slightly above average. With many named storms predicted it is essential that homeowner’s are protected financially and physically. Here is a list of things to double, maybe triple check before taking the summer by storm.

At Home Checklist

  • Stock up on non-perishable food items prior to storms notices to avoid chaos at the store. Canned goods and bottled water are great items with a long shelf life. In the event of a power outage, candles and battery powered lights can be of great value
  • Prepare a list of emergency phone numbers with long distance contacts to be used after the storm has passed.
  • Formulate a safety plan with your family to assure everyone is informed and on the same page during the storm,
  • Be sure to check the physical structure of your house and minimize vulnerabilities during the storm.
    • Doors, Windows, Sheds, Garages, loose belongings. Etc.
  • Have trees assessed each year to assure they are stable and safe. Trees can cause the most damage to your home during episodes of high wind.
  • Determine a safe area in your home to occupy during the storm. Stay away from windows and near stable structures. Community based safety areas are highly recommended.
  • Stay informed using the National Hurricane Center each week for updates and other hurricane prevention tips.

Insurance

Prior to Hurricane season it is essential to review your homeowner’s insurance policy to find out how you are being covered. In most basic homeowner’s policies damage from hurricanes is partially covered. You are going to want to ensure that your policy has enough coverage to rebuild your home in the event that it is destroyed. Pay mind to the fact that this is the cost to rebuild your home, which differs from what you paid to purchase your home. In regards to water damage from hurricanes, many basic homeowner’s policies cover water damages from internal sources like plumbing but fail to cover larger water damages from flooding. Flood insurance policies can be purchased through just about any insurance provider. Also, in many specific hurricane and flood prone areas many insurance agencies offer hurricane and wind damage deductibles that are calculated through a certain percentage of the home’s value. In addition to protecting your home as a structure, be sure to review insurance policies pertaining to belongings and personal property.