There was a time in the past when people lived at the mercy of the weather with no notification about individual storms. Hurricane season for early settlers came without Doppler radar warnings but now, we have the benefit of foresight when storms come close. That doesn’t mean hurricane planning should wait until a storm is imminent; instead, hurricane planning should be a seasonal event. In order to ready your home for hurricane season this year you can:
- Get appropriate window coverings: Hurricane shutters, awnings, and plywood all provide protection to your windows. Because of the pressure that builds during a storm it's important that you get window coverings that fit correctly and are installed properly.
- Get sandbags: Whether you are in a flood zone or not, sandbags can help prevent water from storm surge, flooded storm drains, and overflowing gutters from coming into your home, carport and garage. The more likely your risk of flood, the more sandbags you should have. If you're in an area with a low risk of flood just a few sandbags to key areas can really keep your floors and property free of flood damage.
- Have a plan for lawn furniture: During a hurricane or tropical storm, high winds can turn your lawn furniture to bullets sent sailing through your windows, your neighbor's windows, and vehicles. Create a plan to either bring your lawn furniture inside before the storm or to secure it to the ground, patio or trees so that it cannot be lifted and carried by the wind.
- Look at your insurance deductible: Your home insurance policy likely has a separate deductible for hurricanes which may be more expensive than your normal deductible. Talk to your insurance agent about this deductible and, if it's not affordable, ways to get it reduced.
- Increase insurance limits: Your insurance only provides as much financial protection as you allow it to through policy limits. If your property and contents coverage limits are not keeping pace with the value of your home and contents, then you are not going to get reimbursed appropriately after damages during an insurable incident.
Insurance planning is an important part of hurricane preparedness—and it’s better to discover that now than later, after a storm hits. Give us a call at Salzberg Insurance Agency or stop by to discover how we can help give your hurricane preparedness plan an added edge through the preservation of the value of your assets and limitations of your potential liabilities.