The National Oceanic and Atmospheric Administration (NOAA) predicts an above-normal hurricane season for 2024. Homeowners might wonder what this means and how best to prepare. Bankrate offers a guide with actionable tips for protecting your home and an overview of necessary insurance coverage if you need to file a claim after a hurricane.
What to Do to Prepare for a Hurricane
Proper hurricane preparation involves planning ahead. Follow these steps to ensure you, your loved ones, and your home are ready for hurricane season.
Review Your Insurance Policy
Understand your homeowners insurance policy, including what it covers and what it does not. Standard policies often exclude flood damage, so you may need additional endorsements or separate policies. Also, be aware of your hurricane deductible, which is separate from your standard deductible. Review your policy with your insurance agent before hurricane season to ensure you have adequate coverage.
Secure and Seal Your Roof
Roof damage is common during hurricanes. Inspect your roof before hurricane season and consider installing truss tie-downs (hurricane straps). Check gable bracing, seal cracks, and secure loose shingles to minimize damage from high winds and rain.
Shield Your Doors and Windows
Install storm shutters or affix plywood over windows and doors to protect against flying debris. This can significantly reduce the risk of storm damage.
Secure Outdoor Structures and Furnishings
Anchor structures like carports and tool sheds, and bring patio furniture, potted plants, and other items inside to prevent them from becoming projectiles during high winds.
Prepare an Emergency Kit
Prepare for the aftermath of a hurricane by assembling an emergency kit, which should include:
- A radio
- Flashlights
- Spare batteries
- A charged cell phone and backup battery
- Wrench or pliers to turn off utilities
- A fire extinguisher
- Matches or a lighter in a waterproof bag
- Important documents in a waterproof bag
- Cash
- First aid items
- Prescription medications
- Mosquito repellent
- Bottled water and non-perishable foods
- Pet food and medication
- Extra gasoline (if you have a gas-powered generator)
- A full tank of gas in your car
Update your kit before each hurricane season and store it in a safe, dry place.
Make an Evacuation Plan
Have an evacuation plan that includes where you will go, what you will take, how you will get there, and how to ensure the safety of your family and pets. Follow local authorities’ advice on evacuation.
Consider Purchasing Flood Insurance
Flooding is typically not covered by standard homeowners insurance. Consider purchasing flood insurance, keeping in mind the 30-day waiting period before coverage starts. Be aware of insurance moratoriums, which restrict changes to policies as a storm approaches.
Preparing Your Mobile Home for a Hurricane
For mobile homes, ensure anchors and tie-downs are secure. Board up windows with plywood, install hurricane straps, review your insurance for coverage gaps, and prepare an emergency kit. Lock cupboards, secure valuables, and disengage water and fuel lines to minimize damage. Always follow evacuation warnings from local authorities.
By taking these steps, you can better protect your home and family during hurricane season.
