Hurricanes pose an immense danger to homeowners in the southeast coast due to their size, speed, and potential destruction. Being prepared for a major weather event can be daunting, but with the proper coverage and safety measures, homeowners can protect themselves and their property during a hurricane.
Understand what types of coverage your homeowner’s insurance provides in the event of hurricane damage. Different policies offer an array of coverage, some may include the cost of rebuilds, replacements, or repairs to both the home itself and any belongings inside. Review your policy periodically before hurricane season so you’re familiar with the details.
Make sure to secure any property outside of the home that is vulnerable to hurricane damage. Move any outdoor furniture inside, secure small boats, or have grills and backyard items in a secure, covered space for the duration of the storm. Taking the time to do this will save you a lot of trouble should the storm cause damage.
Emergency Supplies
A key part of hurricane preparedness is stocking up on the necessary emergency supplies. Have enough nonperishable food on hand for at least a few days, along with basic first aid materials. Extra bottled water is helpful, as hurricanes often destroy potable water sources. Be prepared for the possibility of a power outage and have flashlights on hand.
Keep emergency contact information handy for any help you may need, as well as information regarding your insurance policy and other important documents. Identify in advance any places of refuge you can stay in case the storm prompts a mandatory evacuation of the area.
Document & Protect Valuables
If your home does sustain hurricane damages, you will need to register your claim with your insurance company as soon as possible. Save time and hassle by having any appraisals or documents of the items you own beforehand. Be sure to have a photo inventory of the contents and furniture in your home, too.
The safest way to protect valuables when the storm hits is to have them stored somewhere remote where they won’t be damaged. Household items, jewelry, and electronics can all be safeguarded outside of your home for the duration of the storm.
In addition to this, collect any important legal documents or photographs you wouldn’t want to lose in the event of extreme hurricane damage to your home. This should be done well ahead of time and stored in a safe, secure location.
Clean Up & Rebuild
Once the storm has passed, and the area is deemed safe, it’s time to begin the clean-up and rebuilding process. This will likely require plenty of time and effort. Start small but stay safe. Wear protective gear and clothing in case of errant nails or metal fragments.
Document all of the damages your home sustained to make filing insurance claims easier. It’s also important to ensure the safety of your property is never put at risk. Inspect for potential gas leaks, dangerous objects, fallen trees, and any other potential hazard. You may need to call a safety inspector once the repairs are completed to get the all-clear.
Hurricane preparedness is a serious concern for many homeowners in the southeast. By understanding the types of coverage your policy provides, stocking up on the right supplies, and taking necessary precautions, homeowners can protect their property and belongings if the worst happens.