Hurricane season is here and while no one can stop a tropical storm or hurricane from happening, you can take steps to ensure the safety of your family. The potential threats include powerful winds, heavy rainfall, storm surges and flooding. Knowing what to expect in the event of a major storm is one of the smartest things you can do, especially if you live in an area prone to hurricanes and flooding.
Review your Insurance
It is important to understand exactly what your homeowners insurance covers so that you can adequately repair your home after a natural disaster like a hurricane. A good place to start is this hurricane season insurance checklist. Be sure to check if your policy covers flood damage and if it doesn't, consider looking into flood insurance. This applies to renters as well. Flooding is not generally covered by renters insurance, so if you rent in an area at risk of flooding, consider a separate flood insurance policy in addition to your current renters insurance. Contact a trusted insurance professional if you have questions about your current policy so that you aren't faced with any surprises during the recovery process.
Additionally, you should take inventory of your property annually and ensure that you have enough insurance to replace personal possessions. Should you need to evacuate, bring your home inventory list with all other important documents to fast track your recovery. It will speed up your claims process and will help in applying for disaster aid.
Secure your Home
If you are facing an impending storm, there are immediate precautions you can take to protect your home and your family.
If you are not in immediate danger, there are ways that you can secure your home in advance to protect against the dangers of flooding and hurricane force winds. If you live in an area regularly affected by these types of natural disasters, consider:
Finally, make sure you have an evacuation plan. This should include a communication plan for your family, consider any extra precautions for children, seniors and pets, and be sure that you have all important documents you will need for recovery after the storm.
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