Hurricane season is around the corner. Thankfully this year’s 2018 hurricane season is only predicated to be above average compared to what we received last year. While this news is most welcome for homeowners, insureds should still be prepared for the worst cast scenario. Below are 6 tips to help you prepare your home and property for tumultuous weather.
1. Examine your property
Before an event takes place, make sure to examine your property to ensure there are no physical and/or liability hazards present.
2. Protect vulnerable areas of your home
There are 4 critical areas where wind and water traditionally enter the home. The roof, windows, doors, and garage doors. Make sure these areas are secured and tight prior to a storm.
3. Protect valuables
To keep your valuables safe (mementos, photos, receipts) place them in waterproof containers or take them with you if you evacuate. Other household items can be replaced.
4. Review your policy and talk to your agent
It is important to read and fully understand your insurance policy. Make sure you have adequate homeowner and auto coverage and that the deductibles you have selected are reasonable for your financial situation. If you have a number of specialty items such as jewelry or collectibles, speak with your agent about additional coverage as these items only have limited coverage under your homeowners policy.
5. Take inventory of the contents in your home
Take inventory of all your contents and valuables with pictures or video. Also make note of the approximate value of each item and the date of purchase. It is also sometimes wise to send an inventory list to a family member who lives in a different region for safekeeping.
6. Copy and secure important documents
Make sure important documents such as your insurance policy or mortgage papers are stored in a safe deposit box or fire safe box.
If you have any questions about insurance coverage, our personal lines department is ready to help you.
Sources: propertycasualty360.com “6 tips to protect your home and property for 2018’s hurricane season“