Hurricane season in the United States is swiftly approaching for 2018. If you didn’t know that, let this be your reminder to get prepared! After such an active hurricane season in the U.S. during 2017, we thought it would be prudent to write a bit about what you can do to prepare for a hurricane if you get the news that one could be heading your way. Luckily, there are a lot of preparations you can take to seriously mitigate the potential damage a hurricane can inflict on your property, and your finances.
The very first thing you can do to prepare for a hurricane is something you can accomplish right away–check on your homeowner’s insurance policy. Remember, not all homeowners policies are created equal which means that you need to see what is covered under your policy. Thankfully, most homeowners policies include some kind of hurricane coverage.
Ok, so you have your homeowners policy up to date and you hear that a hurricane is heading your way. Now what? First, you need to make sure your emergency disaster kit is ready to go. Of course, your disaster kit should be personalized to your needs, but there are a few things every kit should have, including:
– Flashlight and batteries
– Clean water
– Food that doesn’t need to be refrigerated
– A radio
– Cell phone charger
– Duct Tape
– Basic first aid supplies
Next, you need to check your evacuation route and listen to your local officials. If a hurricane is close enough to your residence you may be ordered to evacuate. It’s important to already have an evacuation route and mind and have your disaster kit ready to go at a moments notice.
If you are not under evacuation orders, and you have more than a few hours to prepare, there is a lot you can do to prep your home which help mitigate the potential damage from the storm.
Broken windows are one of the most common forms of damage that result from hurricanes and often result in injuries if people are still inside the home. Thankfully, this is incredibly easy to prevent! The best way to do this is to cover all the windows on your home. If you don’t have permanent shutters to cover the glass, cheap plywood nailed across every window is a reasonable solution. The plywood can easily be removed once the storm has passed, but it will help prevent your windows shattering.
Hurricane force winds are not to be underestimated, which is why you should take the time to remove any lightweight objects surrounding your home that the storm could turn into potentially dangerous projectiles. Think about things like patio furniture that’s not bolted down, garbage and recycling cans, planters etc.
Hurricanes are natural disasters, which means it’s impossible to avoid them entirely. However, you can prepare for them. If you follow the advice in this article you’ll be as prepared as you can be for whatever mother nature throws your way.
Of course, it’s essential to have the proper insurance policies in place too. If you want to check on your current policy, or are curious about purchasing a new one, we encourage you to reach out to TGS Insurance. Their staff are experts in all types of insurance and are always willing to work with you to find the right policy for your needs. Visit www.tgsinsurance.com to learn more.