A hurricane leaves devastating effects that can last long after the storm passes. That’s why it’s important to take precautions to protect your family and minimize property damage.
According to the National Hurricane Center, hurricane season runs from June through November. Here are 13 ways you can prepare for a hurricane before it strikes your area.
1. Put together a survival kit that includes the following: radio with fresh batteries, flashlight with fresh batteries, extra batteries, first-aid kit, prescriptions and medications, fire extinguisher, drinking water, bathing water, non-perishable food and a can opener.
2. Fill up the gas tanks of all your vehicles.
3. Check for loose rain gutters and down spouts. Secure and bring inside any objects like lawn furniture, potted plants, toys, garden tools and personal watercraft.These can turn into dangerous and deadly projectiles during the storm and can also badly damage your property.
4. Trim back dead limbs on trees.
5. Show family members how and when to shut off water, gas and electricity in your home at the main switches. Do not use candles or lanterns inside the house.
6. Learn and understand the different types of hurricane categories so you know what to expect when these terms are used in news and weather updates.
7. Keep copies of your household inventory and other documentation, and take photos of each room and any important items. This will help the insurance claims adjuster assess the value of damaged property after the storm.
8. Keep your household inventory documents, along with a copy of your homeowners’ insurance policy, in a safe place and make sure you have access to it if you’re forced to evacuate your home.
9. Write down the name, address and telephone number of your insurance agent or carry the agent’s business card.
10. Learn the location of the nearest shelter. Remember that shelters do not allow alcoholic beverages or weapons of any kind and may not allow pets.
11. If you decide to leave before the storm, leave early. Some evacuation routes can close for up to 20 hours before the storm touches down. The longer you wait, the heavier the traffic.
12. If the damage requires you to leave your home, let your insurance agent know your temporary forwarding address and phone number.
13. Plan how your family will stay in touch during and after the storm. Remember that telephone landlines and cellular service may be down for several days, and many people will be trying to call into and out of the storm-affected area.
InsureU offers a Disaster Prep Guide featuring additional tips on what to do before, during and after a hurricane strikes your area.
Standard homeowners’ insurance policies can cover windstorm damage like that from a hurricane. If a hurricane damages your home, make temporary repairs to prevent further damage and keep up with your receipts so you can include it in your claim. However, your homeowners’ insurance policy doesn’t cover flooding—you’ll need to purchase it separately. Alfa® offers affordable flood insurance to help protect you against devastating disasters like hurricanes. Contact your local Alfa agent today.
All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.