Hurricane season can put many homeowners at risk, with damages resulting in expensive repair bills and potential relocation costs. However, there are ways to reduce the chances of torn roof shingles and flooded basements; in this article, we are going through the proactive measures you can take to protect your home in the event of a hurricane.
Prepare an emergency storm kit
Taking a bit of time to put together an emergency kit will help you and your family if your home were to lose power. It is advisable that you keep enough water and non-perishable food for a few days, as well as blankets, flashlights, batteries, and insurance documents. You should also include an evacuation plan and a written list of key contacts in case you need to relocate.
Keep an inventory of all your assets
If you need to file a claim, you will be required to provide a list of all your assets. These might include vehicles and personal possessions; all receipts and warranties should be kept in a safe, accessible place. It’s also important to maintain an updated list of the value of each asset, as this will make your claims process easier.
Seal all your windows and doors
The fluctuation of temperatures throughout the year can cause materials and sealings to loosen. If this is the case, heavy rain can get straight into your home, resulting in flooding and extensive damages. Homeowners are advised to regularly check the sealings on their windows and doors, and immediately reseal any crack. Additionally, even though they’re small, don’t forget to check any holes that have been drilled in your house for cables and wires.
Secure your roof
Repairing a damaged roof can be one of the more costly expenses, which is why you want to take measures to minimize any risk. Have your roof inspected once a year by a professional as a part of your maintenance routine, or twice a year if you live in a hurricane prone area. If your roof requires repairs, have them done immediately to reduce costs and keep your home safe.
Purchase a good homeowner’s insurance policy
Some damages caused by hurricanes might be inevitable, but by having enough insurance coverage, you can be sure to minimize out of pocket costs. If you live in an area that is at high risk of flooding, you might consider purchasing flood insurance for extra protection. Review your policy regularly with an advisor to make sure it still provides the best options for your situation.
Also, remember to ask your insurance agent exactly what is covered and how you can make a claim.
For more information on how to keep your home safe during a hurricane, contact an expert insurance agent at Smyrl Insurance today!
