Did you know that flood is the #1 paid insurance claim in every state? In the 2024 hurricane season alone, over 30% of “low flood zones” experienced flooding.
As hurricane season approaches, it’s crucial for homeowners to take proactive steps to safeguard their properties and ensure their safety. Understanding the risks and preparing adequately can make a significant difference in minimizing damage and stress. Here are some practical ways you can be prepared this hurricane season:
Understand Your Insurance Coverage
One of the most important steps in preparing for hurricane season is reviewing your insurance policy. Make sure you understand what is covered under your current plan, especially regarding wind and flood damage. Standard homeowners’ insurance policies do not cover flood damage, so you may need to purchase additional flood insurance if you live in a high-risk area.
Key Points to Check:
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Policy Limits: Ensure your coverage limits are adequate to rebuild your home and replace your belongings if necessary.
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Deductibles: Be aware of any hurricane or windstorm deductibles, which are often higher than standard deductibles.
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Exclusions: Understand any exclusions in your policy that might affect your coverage during a hurricane.
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Coverages: Some policies will cover emergency services, such as tarping your roof or storage of household goods.
Secure Your Home
Taking steps to secure your home can significantly reduce the risk of damage during a hurricane. Here are some measures you can implement:
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Install Storm Shutters: Protect windows and glass doors with storm shutters or plywood to prevent breakage from flying debris.
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Reinforce Doors and Roofs: Ensure that doors are sturdy and roofs are secured to withstand high winds.
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Trim Trees and Shrubs: Regularly trim trees and shrubs around your home to prevent branches from causing damage.
Create an Emergency Plan
Having a well-thought-out emergency plan is essential for ensuring your family’s safety during a hurricane. Your plan should include:
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Evacuation Routes: Know the evacuation routes in your area and have a plan for where you will go if you need to leave your home.
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Emergency Kit: Prepare an emergency kit with essentials such as water, non-perishable food, medications, flashlights, and batteries.
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Communication Plan: Establish a communication plan with family members to stay in touch during an emergency.
Stay Informed
Stay informed about weather updates and warnings by monitoring local news and weather channels. Sign up for alerts from local emergency management agencies to receive timely information about hurricane developments and evacuation orders.
For more detailed advice on preparing for hurricane season or to review your insurance coverage, give our agency a call and one of our trusted agents can walk you through your coverage!
Remember, it never hurts to be prepared for what could come. Don’t let your unpreparedness leave your home underinsured this hurricane season.
Most flood insurance policies require 30 days to activate, so get yours started before the season hits!
Fear not with Fearnow Insurance
