The month of May marks the beginning of hurricane season. If you
live in hurricane-prone areas you should prepare your family and your
property to minimize damage.
First, develop a family hurricane preparedness plan before an actual storm threatens your area.
- Discuss the type of hazards that could affect your family.
- Know your home's vulnerability to storm surge, flooding and wind.
- Determine escape routes from your home and places to meet.
- Be sure to have a plan for your pets if you need to evacuate.
- Post emergency telephone numbers by your phones and make sure your children know how and when to call 911.
- Have an out-of-state friend as a family contact, so all your family members have a single point to contact.
- Take
precaution to reduce damage to your home and property. Strengthen the
exterior of your home to prevent damage from wind and debris.
As
you prepare for hurricane season, don't forget your insurance. Be sure
your homeowners and flood coverage is up-to-date. Review your insurance
coverage to make sure it is adequate, and familiarize yourself with any
windstorm deductibles. Most hurricane damage is covered under a
standard homeowner's policy, but it is very important to insure your
home and belongings to their full replacement cost at current value.
Flooding is generally not covered under standard homeowner's policies,
so ask your agent about flood insurance.
If your home is damaged in a storm, be aware of personal and
physical safety measures and comply with the orders of local emergency
authorities. Contact your insurance agent as soon as possible. Take
pictures of damaged property and be sure to keep notes. Do not be
rushed into signing repair contracts. Be sure to check the contractor
out with the Better Business Bureau (
www.bbb.org).