We’ve all seen the dramatic effect hurricanes can have, both the initial wind and rain and the floods and devastation that follow. There are steps you can take to stay safe and reduce damage to your property in the event of a storm.
Note that neither home nor business insurance covers flood damage from a hurricane, including floods from storm surges. McCartin Insurance can help you purchase a policy through the National Flood Insurance Program.
Before a Hurricane
- Install storm shutters.
- Remove yard debris, such as dead tree limbs, that could become flying missiles.
- Have a safe place to park your cars and/or store your boat.
- Make sure you, your family and/or employees know how to shut off utilities.
- Look through your emergency kit to ensure it is fully stocked and up to date with necessities for all household members, including pets.
- Back up computer records and store them at least 50 miles offsite.
- Gather important papers to take with you if you must evacuate, including inventory lists and insurance information.
During a Hurricane
- Know your community’s evacuation plan and, if asked to evacuate, do so immediately.
- Stay inside and away from windows, skylights, and glass doors. Avoid elevators.
- Avoid washed out and wet roads that can hide downed electrical lines or underlying currents that can carry your vehicle away.
After a Hurricane
Water is a major cause of damage after hurricanes. The longer your house is exposed to water, the more damage you’ll see to your roof, ceiling, walls, and floors, as well as any personal belongings inside. After the storm has passed, it’s important to dry out any water damaged inside your home.
- Open windows and doors to allow air to circulate and speed up the drying process.
- Clean up any broken glass and remove debris.
- Board up broken windows and doors.
- Cover roof damage with tarps or plywood.
- Save receipts for any temporary repair expenses.
- Cover broken car windows with tarps or plastic sheeting.
- Move any wet items to a dry place.
- If possible, place any damaged items in a safe, secure area where they can be inspected later.
Review your policy with McCartin Insurance for detailed coverage explanations and directions on how to file a claim with your insurance carrier.