Hurricane Safety & Insurance Tips

Your home isn’t only where your heart is — it’s where your money is. It’s probably your most valuable investment, which is why you have a homeowners insurance policy to protect it. But what was once a straightforward arrangement has become less generous and more complicated insurance companies shifted risks and costs onto customers.

Hurricane Safety Tips

  • Make a Kit. Assemble an emergency preparedness kit in advance.
  • Create a Plan. Create a household evacuation plan that includes your pets and then go over it with your family.
  • Emotionally Prepare. Talk with your family about what to do if a hurricane strikes. Discussing hurricanes ahead of time helps reduce fear, particularly for younger children.
  • Do Your Research. Stay informed about your community’s risk and response plans. Find a local emergency shelter. Be sure to research flood risk areas in your community to map out an evacuation route if necessary.

Hurricane Insurance Tips

  • Preserve Your Documents. Keep insurance policies, documents, and other valuables in a safe-deposit box. You may need quick, easy access to these documents. Keep them in a safe place less likely to be damaged if a hurricane causes flooding. Take pictures on a phone and keep copies of important documents and files on a flash drive that you can carry with you on your house or car keys.
  • Check Your Coverage. You should check the type of coverage you possess whether it be for wind damage, water damage, or both. This distinction is often how insurance companies get around reimbursing for damages.
  • Document Everything. Take photos of your valuable and videos of the state of your house. This is not essential but could help illustrate the extent of the damage to support your claim.
  • Move Everything Inside. If it is outside, it will not be covered by your insurance. So put the car in the garage along with the patio furniture.

Last Minute Safety Items

  • Store plastic bottles with clean water for drinking.
  • Fill bathtubs and sinks with water for flushing the toilet or washing the floor or clothing.
  • Fill your car’s gas tank, in case an evacuation notice is issued.
  • Move your furniture and valuables to higher floors of your home.
  • Turn off utilities if told to do so by authorities to prevent damage to your home or within the community. If you shut your gas off, a professional is required to turn it back on.
  • Unplug small appliances to reduce potential damage from power surges that may occur.

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