Hurricane Season – the time of year when Mother Nature decides to test the structural integrity of your home and your patience. And since it’s about to hit its peak, as a homeowner, it’s crucial to stay one step ahead of the storm. Here’s how you can help batten down the hatches.
1. Understand Your Risk
First and foremost, know your risk level. If you live in a hurricane-prone area, familiarize yourself with local hurricane history and the specific vulnerabilities of your property. Coastal areas, for example, face higher risks of storm surges and flooding, while inland areas may be more susceptible to high winds.
2. Review Your Insurance Policy
Make sure your home insurance policy is up-to-date and covers hurricane-related damage. Standard home insurance policies typically cover wind damage but might not include flood damage. Consider purchasing additional flood insurance if you live in a high-risk area. Discuss your coverage with your insurance agent to ensure you’re adequately protected.
3. Create an Emergency Plan
Develop a family emergency plan that includes evacuation routes, communication methods, and a meeting point if you get separated. Ensure everyone in your household understands the plan and knows what to do in the event of a hurricane.
4. Secure Your Home
- Reinforce Windows and Doors: Install storm shutters or use plywood to protect windows and doors. Impact-resistant windows are another great investment.
- Strengthen the Roof: Check for loose shingles and secure them. Consider installing hurricane straps to keep the roof attached to the walls.
- Clear the Yard: Remove or secure outdoor furniture, grills, and other objects that could become projectiles in high winds.
- Install a Generator: A backup generator can keep essential appliances running during power outages, which are common during hurricanes.
5. Assemble an Emergency Kit
Your emergency kit should include:
- Non-perishable food and water (enough for at least three days)
- Flashlights and extra batteries
- First aid supplies
- Medications
- Important documents (stored in a waterproof container)
- Cash
- Personal hygiene items
- Tools and supplies for securing your home
6. Stay Informed
Keep an eye on weather forecasts and heed any warnings or evacuation orders from local authorities. Sign up for emergency alerts and have a battery-powered or hand-crank radio to stay informed in case of power outages.
7. Prepare for Evacuation
If evacuation becomes necessary:
- Know your evacuation route and have a plan for your pets.
- Pack a “go bag” with essentials such as clothing, medications, important documents, and cash.
- Fill your car’s gas tank in advance to avoid long lines at the pump.
8. Protect Important Documents
Ensure that important documents such as insurance policies, identification, and financial records are stored in a waterproof container. Digital copies stored on a cloud-based service can also provide an extra layer of security.
9. Consider Long-Term Mitigation Measures
Investing in long-term mitigation measures can save you money and stress in the long run. Elevating your home, installing flood vents, and improving drainage systems are all effective ways to reduce hurricane damage.
By taking these steps, you’re not just protecting your home; you’re ensuring peace of mind for you and your family. Remember, a little preparation goes a long way, and being too prepared isn’t possible, especially when dealing with Mother Nature.