Hurricanes are powerful forces of nature, and understanding hurricane preparedness is crucial. From fierce winds to torrential rains and subsequent flooding, the aftermath can be overwhelming. However, with the right precautions, you can safeguard your assets and loved ones.
Understanding Insurance Coverage
A common misconception is that standard home or business insurance policies cover flood damage from hurricanes. This is not the case. Floods, especially those resulting from storm surges during hurricanes, require a separate policy. At Barnard Donegan Insurance, we’re committed to guiding our clients through this process. We can help you secure coverage through the National Flood Insurance Program, ensuring you’re protected against unforeseen flood damages.
Hurricane Preparedness: Steps to Take Before the Storm
To minimize potential damage, consider the following steps:
- Home Safety: Install storm shutters to protect against flying debris.
- Yard Maintenance: Clear potential hazards, such as dead tree limbs.
- Vehicle Safety: Designate a safe parking spot for cars and boats.
- Utility Knowledge: Ensure everyone knows how to shut off utilities.
- Emergency Preparedness: Regularly update your emergency kit, considering all household members, including pets.
- Data Protection: Back up computer records and store them offsite, preferably 50 miles away.
- Document Safety: Organize essential documents, including inventory lists and insurance details, for easy access during evacuations.
Hurricane Preparedness: Safety Measures During the Storm
Safety should be your top priority:
- Evacuation: Familiarize yourself with local evacuation plans and follow them if advised.
- Indoor Safety: Stay inside, away from windows and glass doors. Elevators should be avoided.
- Road Safety: Avoid driving on flooded or eroded roads, which can hide dangers like fallen electrical lines.
Hurricane Preparedness: Actions After the Storm
After the storm, it’s essential to address any damages promptly:
- Ventilation: Open windows and doors to speed up the drying process.
- Cleanup: Safely remove broken glass and debris.
- Home Repairs: Secure broken windows and doors. Address roof damages with tarps or plywood.
- Documentation: Keep receipts for any repairs made.
- Vehicle Care: Cover broken car windows to prevent further damage.
- Item Care: Move wet items to a dry area and store damaged items safely for later inspection.
Conclusion
Hurricanes can be daunting, but with the right preparations and understanding of insurance coverage, you can navigate these challenges more confidently. For a detailed review of your insurance policy and to report any hurricane-related damages, contact our dedicated team at Barnard Donegan Insurance at 830-303-8300 or Contact Us Here.
