Planning for a hurricane is one of the most important precautionary measures you can take before one occurs. We live in a state prone to hurricanes, and it’s critical for you to have a clear understanding of what hurricane preparedness is. The Insurance Center wants to help you understand what you need to do before a storm hits.
Hurricanes can leave thousands of residents without power or water for days, sometimes weeks. In the event of an evacuation, it can take up to 72 hours before emergency crews are able to enter affected communities. The following hurricane preparedness guide will help you remain prepared for the storm.
Before a Hurricane Hits
Create a disaster plan. Teach your family members or employees what to do during a hurricane and what to do if you must evacuate.
- Cover all of your home’s windows, either with storm shutters or 5/8″ marine plywood, cut to fit and ready to install. Tape will not prevent your windows from breaking.
- Learn the elevation of your property and whether or not the area is flood prone. This will help you know if your property will be affected in the case of flooding.
- Install straps or additional clips to securely fasten your roof to the frame of your home.
- Reinforce your garage doors.
- Unclog or clear all outdoor drains, rain gutters and downspouts.
- Buy extra batteries.
- Keep a full tank of gas if evacuation seems likely.
- Review your policy.
Not having enough coverage can be just as traumatic as experiencing damage to your home and personal belongings. Take a few minutes to review your policy to make sure you have enough coverage. Speak with your agent about hurricane deductibles and any other questions you might have.
Choose the right hurricane deductible.
Always make sure you have the funds set aside to cover the deductible you have chosen on your policy. If your home is damaged and you are unable to pay the deductible, it will prolong the recovery process. Companies offer different deductible options. It’s important that you carefully consider the right option for you.
Review your personal property coverage.
Over time, we buy, sell, and replace items in our homes. You’ll want to have enough coverage to repair or replace your personal property in case of damage to your home and belongings. Optional replacement cost coverage for your personal property allows you to replace or repair items that were damaged or destroyed based on current market prices.
Review replacement cost.
Make sure your home has the right coverage to replace/repair your home. Will the amount on your policy cover the cost to completely rebuild your home? Please keep in mind that this is not the same amount as the value of your home in the real estate market. It is the actual cost, including labor and materials, to rebuild.
Add flood insurance.
All of a hurricane is a flood zone! Contact your agent to protect your home and add this coverage. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs! You can reach us at (252) 637-4173 or online at https://www.ticnc.com/homeowners-insurance/.