The Insider’s Guide to Hurricane Preparedness

Although the summer is almost over, hurricane season is still well upon us! According to the National Weather Service, while the Atlantic hurricane season lasts from June 1 to November 30, hurricanes are most active during the month of September.

Here are a few quick tips to make sure you and your clients are ready before the storm hits:

  1. Make a plan. Do some research and determine your area’s risk of hurricanes. Based on your location, make an appropriate evacuation plan and become familiar with local shelters. You don’t want to wait until the last minute.
  2. Prepare a hurricane kit. Collect bottled water, non-perishable food items, cash, clean clothes, bedding, toiletries, extra batteries, flashlights, and whatever else you feel would help you prepare for evacuating or riding out a storm. Place the items you collected in a bag or box, and store in a convenient, easy to remember spot where you can “grab and go” if necessary. As a storm approaches, remember to gather needed supplies for at least three days. Don’t forget about medications and the needs of pets.
  3. Secure your home. Trim your trees, bring any outdoor furniture, toys, potted plants and lawn ornaments inside. If you’re in an area at risk for flooding or storm surge, move your cars into the garage or park on higher ground. You should also make sure that you have appropriate insurance coverage for your home in case you incur damage. If you’re an agent, this is a great time to reach out to your clients and offer to help them prepare for the worst. If you’re a client, it’s better to be proactive with seeking hurricane-related insurance coverage. Often times, binding restrictions will go into effect once a storm is approaching and then it will be too late to make coverage changes.
  4. Keep important documents safe. Collect important documents (such as birth certificates, marriage certificates, deeds, insurance documents, and other legal paperwork) and secure them in a safe place where they won’t be harmed or destroyed.
  5. Power up. Fill up your car with a full tank of gas, prepare your generator, charge your cell phone, and have plenty of batteries on hand in case of a power outage.

For more hurricane preparedness resources, visit www.ready.gov/hurricanes. To talk about insuring your client’s homes against hurricane damage, or to find out more about what products we can offer your client’s, call our excellent team of Personal Property underwriters at 678-498-4540!