It has been predicted that this year's hurricane season will be more active than in previous years. Forecasters anticipate it will be almost 50% more severe than the average season with four major hurricanes and sixteen tropical storms predicted. We are sharing our top tips to help you prepare for the season.
Hurricane preparation
Reduce damage to your property and get through a storm by taking the time to prepare. Consider your hurricane plans early and refine emergency procedures before it is too late.
The following guidance will help to prepare for when a hurricane makes landfall.
Before a Hurricane
- Create a family communication plan.
- Familiarize yourself with your evacuation route, zone, and shelter locations.
- Prepare an emergency survival kit. This includes drinking water, nonperishable foods, a portable radio, essential medications, and important documents such as your birth certificates, social security cards and claims reporting information.
- Prepare supplies for home, work, and cars. More information on emergency essentials is available on https://www.ready.gov/kit.
- Review your existing insurance coverages before the season begins.
- Take an inventory of your personal property.
- Prep your property by sealing doors and windows and bringing outdoor furniture inside.
During a Hurricane
- Stay indoors and only leave your property if an evacuation is ordered.
- Keep away from all windows and exterior doors.
- Listen to local news and radio outlets for emergency information and instructions.
- Do not use a charcoal or gas grill to cook indoors.
- If you lose power, use LED lights instead of candles to avoid the danger of fire.
After a Hurricane
- Listen to local news and radio outlets for emergency information and instructions.
- Stay out of pooled water and do not touch electrical equipment.
- Document all property damage with videos or photographs.
- Request a visit from a field adjuster.
- Report your claim as soon as possible.
- Keep accurate records of your expenses, receipts, and bills for repairs to your property.
For more tips, checklists, and evacuation planning advice download the Know Your Plan app by the Insurance Information Institute.
Importance of hurricane insurance
Standard homeowners insurance typically covers wind and storm damage, but does not cover flood damage. It is important to note that some policies partially or completely exclude wind-related damage. Flood coverage is sold as a separate policy or by endorsement. You need to know if and how your property and personal belongings are covered. Check your policy details today to ensure you are ready for the upcoming hurricane season.
To check your level of coverage get homeowner quote online or speak to a licensed agent today.