Hurricane season can be a pretty scary ordeal. If you’re not prepared, you and your house can face a lot of trouble. Here are 5 last-minute ways that you can protect your home.
You can take several steps to fortify your home against the nasty winds and downpours that hurricanes generate. Some of these moves are relatively easy to complete. For example, clean out your gutters and make any needed structural repairs. Also, have a plan for moving outdoor furnishings out of the wind’s reach and into your home.
Consider purchasing a generator in case the power goes out. Learn how to turn off the electricity and gas or propane.
Other preparations are likely to take more time. They include:
Plants, trees and other landscaping elements also are vulnerable to a hurricane’s fury. Take these steps to protect your landscaping:
If a hurricane is bearing down on your neck of the woods, it’s likely too late to change your insurance coverage in any way. So, simply review the coverage you have. That way, you will know where you stand as the storm approaches.
Home insurance policies vary a great deal. If you have any questions, call your insurance agent or broker to find out the details of your coverage.
Once the hurricane has passed, begin preparing for future storms. Depending on where you live, standard homeowners insurance may or may not cover wind damage. If not, you may need to purchase a separate wind policy.
Homeowners insurance does not cover flooding. Again, it is too late to purchase flood insurance to protect you from Florence’s wrath. You must buy separate, government-backed insurance to protect your home from flooding related to future storms. Such coverage is available if your community participates in the National Flood Insurance Program.
Document the contents of your home and the home itself, inside and out. The easiest way to do this is to shoot video or still photos. Take pictures from every angle, including close-ups and shots that pull back to show the big picture.
If you make an insurance claim, you’ll want this evidence to support the claim and recover the maximum amount.
Another option is to create an inventory of your possessions that includes an appraised or estimated value for the most expensive items. The Insurance Information Institute has instructions for creating an inventory at its website.
Remember to send the inventory, photos or video to your insurance agent. You also can store it, along with important documents, in the internet cloud, or somewhere else safe from a hurricane.
With any luck, you and your home will dodge a bullet and the hurricane will pass by. If you are so fortunate, count your blessings — then, get to work shoring up your coverage for the future.
Insurance can be complex. Make sure you have an agent or broker whom you trust and a company that offers good value.
A good independent insurance broker can find the best coverage at the lowest price by comparing products from several companies. Whether you use a broker or a company agent, look for respectful, readily available customer service and professionals who take the time to answer your questions and explain the reasons behind their recommendations.
Do some research to make sure you are dealing with a quality company. Call your state’s insurance commissioner, or visit the commissioner’s website — check consumer complaints against insurers.