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Prepare For The Unexpected

Hurricane Disaster Prep

Hurricanes can leave devastating effects that may last long after the storm passes. To protect your family and minimize property damage, it's important to be prepared before a storm is imminent. Hurricane season runs from June Through November.[1] Below are tips from www.InsureUonline.org to prepare for hurricane disaster. Click here to download the guide.

BEFORE

  • Have a plan. Know your community’s designated evacuation routes.
  • Prepare your home and car. Place emergency kits in your home and car. Cover up windows and outside doors with storm shutters or plywood. 
  • Store insurance info safely. Make regular updates to your homeowners or renters insurance policy and home inventory. Store both in a secure place, such as a waterproof safe, a safe deposit box or online. Keep contact information for your insurance agent and insurance company on hand. 


DURING

  • Stay informed. Check local radio, TV or online sites for emergency information. A ‘Hurricane Watch’ means weather conditions could produce a hurricane. A ‘Hurricane Warning’ means a hurricane has been spotted or is about to start.
  • Evacuate promptly. Depart hurricane-risk areas early to avoid travel delays. Follow recommended evacuation routes to avoid closed roads.
  • Protect yourself. If you’re indoors, stay inside and away from windows. If possible, stay in a closet or bathtub with a sheet of plywood over you to protect from flying debris. 

AFTER

  • Be cautious. Do not go outside until local authorities tell you it is safe. Use local alerts, radios and other sources – such as apps from the Federal Emergency Management Agency or the American Red Cross – for timely information. 
  • Photograph property damage. Call your insurance agent or insurer’s claims hotline as soon as it is safe. Your policy might require that you make the notification within a certain time frame. 
  • Avoid fraud. Home repair fraud is common after a major weather event. Be wary of aggressive contractors or demands for up-front repair payment. If you have concerns, contact your state insurance department.

[1] https://community.fema.gov/hazard/hurricane-en_us/be-smart?lang=en_US

This content is adapted from the Disaster Prep Guide on hurricanes from www.InsuranceUonline.org.