The official start of hurricane season is June 1st and it’s time to start getting prepared for what’s shaping up to be an action-packed 2020 season. Here are a few things you can do to protect yourself and your home.
1.Prepare your evacuation route ahead of time
If you live on the coast or in a portable home, you’ll likely need to evacuate your home ahead of a dangerous storm. Of course, that recommendation will come from your local government, but it’s always smart to plan ahead and create your evacuation plan before a hurricane happens. By taking a proactive approach, you’ll know the quickest evacuation routes and can make plans to shelter at predetermined locations or with family members in a safe area.
In addition to knowing where you’ll go ahead of time, it’s best to know where all the important documents or possessions are in your home, in the event you do have to evacuate so you can quickly grab those.
2. Keep non-perishable food on-hand
Before a storm hits, it’s always a good idea to stock up on non-perishable items, water, medicines and other necessities before everyone else does. Don’t forget about your pets, they need to eat too! Click here to see what types of food would be great for emergencies.
3. Make an inventory list of your personal belongings
Take the time to create a home inventory to keep track of all of your personal belongings to help you identify what may need to be replaced in the event your home takes on damage. It can help speed up the claims process and could be beneficial when applying for disaster aid. If you’re not sure how to create a home inventory, check out this list to help get you started. You’ll also want to include this list with your other important documents.
4. Evaluate your insurance policies
Before the storm season hits, it’s a great idea to evaluate all of your insurance policies to ensure you’re fully covered. It’s important to remember that homeowners insurance does not cover flooding so you might want to look into flood insurance.
Another thing to consider is reviewing your auto insurance to double-check that your auto policy has comprehensive coverage in case it were to take on water, you’d be fully protected. If you don’t have a comprehensive policy, your car will not be protected in case it floods.
If you are not sure what to look for in your insurance policy here is a hurricane insurance checklist.
If you’re unsure about your current home and auto coverage or want to explore more options, contact TGS Insurance Agency to help. We’ll shop your insurance for both the best coverage and rates so you get the best deal for the most protection.
5. Take precautions to protect your home
Hurricanes can produce strong winds that can break windows, remove roof tiles, cause tree limbs to break and damage your house and the list goes on. Take some time to prepare your home by implementing both short-term and long-term upgrades. Short-term upgrades can include resealing windows and doors or installing heavy-duty bolts to your doors. Long-term upgrades can include properly securing roof tiles or upgrading to impact-resistant windows and doors. For a comprehensive guide on how to prepare your home for a hurricane, take a look here for a full list of tasks.
Preparing for a hurricane can seem a bit overwhelming, but with the tips listed above it can make things a lot easier. And when it comes to homeowners insurance, TGS Insurance makes prepping for hurricane season as easy as possible, so it’s one less thing you have to prepare for. Our team will always make sure you’ve got the best policy that completely covers you for anything and everything. Visit our website today to get started.