Hurricane Preparation and Planning

The threat of hurricane damage comes as nothing new to homeowners along the Atlantic seaboard of the United States. In the wake of hurricane Katrina in 2005, hurricane awareness has become more prominent, although hurricanes still manage to cost millions of dollars in damage each year.

Hurricane season in the Atlantic Ocean runs from June 1st to November 30th which means that is the time of year when US homeowners are most at risk for being affected by a hurricane.

Hurricanes often bring heavy rain, damaging winds and ensuing floods which can cause devastating effects. Some hurricane damage cannot be avoided, however, preparing your home and family for a hurricane increases your risk of staying safe during the storm.

Hurricane preparation for your family:

  • Have a family evacuation plan
  • Have a back-up plan for pets in the event they can't be included in your evacuation plans
  • Create a disaster supply kit (include things such as water, a first aid kit, a portable radio with batteries, dried food goods, etc.)

Hurricane preparation for your home:

  • Cover and secure windows and doors
  • Make sure your roof is in good condition and consider hurricane straps
  • Make preparations to reduce flood damage such as maintaining sump pumps

Is it covered?

A hurricane is usually comprised of many different severe weather conditions including rain, wind, hail and rising flood waters. A standard home insurance policy typically covers damages caused by hail, wind and rain, however, does not typically provide coverage for flood damage. Call your home insurance agent to get a quote on a flood policy.