Castle Rock Insurance Agency

Preparing for a Hurricane

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With Hurricane Irene quickly approaching the North East the following are some tips in preparing for a Hurricane.

 

Preparing for a HurricanePrepare for a Hurricane

Before a windstorm or hurricane hits your area, there are some important steps you should take to stay safe and help minimize damage

  • to your property.
  • Stock up on such necessities as food and bottled water, as well as a first aid kit, a portable radio, warm clothing, and clean blankets.
  • Keep a supply of flashlights and extra batteries handy. Since open flames can be hazardous, avoid relying upon candles and kerosene lamps as potential light sources.
  • Protect windows with boards or shutters.
  • Look around your property and reduce the threat of flying debris. Move all outdoor items (patio furniture, garbage cans, garden tools) indoors.
  • If possible, remove any tree limbs that may be too close to your home, or appear to be diseased or damaged.
  • Check mobile home tie-downs.
  • If you live in an identified surge zone, elevate furniture – or move it to a higher floor – to protect it from flooding.

Preparing for a Hurricane Evacuation

In the event you are asked to evacuate your home:

  • Decide in advance where to go – a friend's home, a motel, or a shelter are possible options.
  • Identify a safe evacuation route – and alternate routes. Remember that roads may be crowded and that bridges or causeways may be under water.
  • Keep your car fueled and store some bottled water, nutritious snacks, and blankets in the trunk.
  • Listen to local radio or television for the latest information and instructions for your area.
  • Make arrangements for your pets. If you need to be evacuated to a shelter, most shelters won't allow them. Animals that assist people with disabilities are permitted.

 

What to Do After a Hurricane

 Be sure to heed the safety warnings of local officials. Don’t go into your home until it is safe to do so. It’s important to be cautious of hazards – such as downed power lines and broken glass. When it is safe to enter:

  • Cover exposed portions of property with heavy-duty tarps and board up any broken windows. Protect the premises from additional exposure to the elements and minimize the possibility of additional property damage.
  • Save receipts for temporary repairs, make inventory lists of damaged property, and write down any issues or concerns they have, so that insurance personnel can process your claim as quickly as possible.

Important Notes Regarding your Home Insurance

  • Please note that Home Insurance does not provide coverage for flooding. Floods are covered by Flood Insurance Policies

  • Check your Home Insurance Policy Hurricane Deductible. If it is expressed in a Percent (%), it is NOT a Percent (%) of a loss, its a Percentage (%) of the dwelling coverage: Therefore a 5% wind or hurricane deductible on $500,000 of dwelling coverage = a $25,000 wind storm or Hurricane deductible

  • Flood Insurance coverage has a 30 day wait. If you do not have flood insurance and there is a Hurricane approaching, you will most likely not be able to get it.

  • When Hurricane warnings are announced, Business Property Insurance Companies and Home Insurance Companies typically impose Moratoriums, meaning they will not issue new coverage, increase coverage or lower deductibles until 24-72 hours after the hurricane passes.

 
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Tuesday, May 23, 2017
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