Prepare for a hurricane

How to Prepare for a Hurricane

Are you prepared for a hurricane? With the recent influx of hurricanes this season, it’s a good time to start thinking about ways you can help protect your home just in case you find yourself face to face with the storm. Even if you don’t live in a flood-prone area, there’s still a chance that your home could be flooded from a hurricane. According to FEMA, nearly 25% of all flood insurance claims are from homes in low risk areas!

Does My Home Insurance Protect Me From Hurricane Damage?

Your regular homeowners insurance policy will not protect your home in the event hurricane flooding. You will need a separate flood insurance policy to help you protect your home and your belongings. Click here to learn more about flood insurance. Homeowners insurance is not enough to fully protect your home. If you live in a high risk zone, you may be required to buy a flood insurance policy. But even if your home isn’t in a high risk area, it’s still a good idea to look into flood insurance.

Call us at 413.475.7283 to learn more about flood insurance
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Why Do I Need Flood Insurance Coverage?

Hurricane Harvey alone inflicted $30 billion in damages. Insurance will probably only cover about 40% of the damages from that storm. Of those affected, 80% of homeowners did not have flood insurance. This year, we’ve seen an increasing number of tropical storms make landfall in the United States. As climate becomes more and more volatile, it’s a good idea to get insurance just in case.

How Much Does Flood Insurance Cost?

The average cost of a flood insurance policy is $700 per year. Of course, the cost of a flood insurance policy differs depending on various factors such as location, size, contents, etc. For minimal coverage for low risk areas, the cost of flood insurance can be far less than the average. The limits of coverage are: $250,000 the structure and $100,000 for its contents. Talk to your agent about getting the right flood insurance policy for your home.

Call us at 413.475.7283 to learn more about flood insurance
Complete our online quote form today

How to Prepare for a Hurricane:

As we get into hurricane season, it’s important to prepare for the worst case scenario. This can help minimize damages if you are in the path of the storm. Here are steps you can take if you are worried about a hurricane damaging your home:

Having an evacuation plan

Regardless of your home’s elevation, make sure that you know where the nearest evacuation center is. Establish a route to get there in case you are issued an evacuation notice. Try testing this evacuation route before a storm hits. Talk to your family members about the evacuation plan so they know what to do if you need to leave your home quickly.

Prepare your home’s exterior

Do any repairs to your home that you’ve been putting off. Make sure your roof is in good shape – repair any leaks and repair broken shingles. Ensure that your home’s structure is sound before a hurricane hits. You may also want to board up windows with plywood or place duct tape on the windows to prevent shattering. Call a professional for help if you feel uncomfortable or unsafe  doing any of the work yourself.

Stock up

Get non-perishable food items, batteries, water, first aid kit, etc. in case there’s a power outage. Your storm kit should have enough supplies for each person in the home to survive for three days. You may also want to get a generator that can provide some power to your home. Other things to get include: a whistle, a map, and a radio. Keep your fridge and freezer at the lowest temperature to keep food good. Remember to never run your generator inside of your home.

Create copies of important documents

If your important documents are destroyed in a storm, it’s good to keep a backup. Keep them at a location outside of your home. This could be another family member’s house or a safety deposit box. In addition to making copies of documents, you should also create a home inventory. This lists all of your home’s contents and their value. If possible, save receipts for valuables. Learn more about making a home inventory here!

Don’t forget about your pets

If you have pets, make sure they are not overlooked in the preparation process. If you cannot care for your pet during an emergency, leave them at a shelter or with a family or friend. Do not leave them tied up where they may be harmed by the storm. Also make sure that your pet has adequate food and water as well. Include your pet as a part of your family’s emergency plan!

Get flood insurance

Keep in mind that flood insurance usually takes about 30 days to take effect. Get flood insurance before it’s too late to do so! You can chat with an Encharter agent about getting coverage before another storm hits. In the meantime, you can learn more about flood insurance coverage here.

Call an Encharter agent to get flood insurance before a hurricane hits!
Complete our online quote form

Other sources:

The Washington Post

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