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Hurricane Season Starts June 1 – Make Sure You’re Prepared

Hurricane season is fast approaching and we want you to be prepared for the coming season. The Texas Department of Insurance (TDI) and the Federal Emergency Management Agency (FEMA) provide excellent resources for developing a Disaster Plan.

Here are some hurricane tips thanks to American Risk Insurance –

Remember that a hurricane watch means that a hurricane may occur within the next 24 to 36 hours. A hurricane warning means that a hurricane will probably strike your area within the next 24 hours. When a hurricane watch is issued, it may already be too late to take some of the following precautions. Therefore, it is important to make preparations in advance of the hurricane season.

  • Plan your escape route early in case you need to evacuate.
  • Stock up on drinking water, canned goods, non-perishable foods and a can opener. If you need any medicine on a regular basis, make sure to have an adequate supply.
  • Make sure your portable radio is working. This may be your only link with the outside world and will keep you advised of the storm’s path. Stock up on extra batteries.
  • A cell phone with a charged battery may be helpful in case of an emergency.
  • Maintain a supply of flashlights, candles and kerosene lamps. Store matches in waterproof containers and have adequate lantern fuel.

Protecting Your Property

  • Take an inventory of your possessions. Pictures or videotape recording may also be helpful for insurance purposes. Make sure to store the inventory and the pictures/videotapes off the premises, to help facilitate the claim filing process if your belongings are damaged. Property Checklist
  • Review your insurance coverage to make sure it is adequate. Hurricane damage is covered under a standard homeowners policy, but it is very important to insure your home and belongings to their full replacement cost. Flooding is generally not covered under standard homeowners policies, so ask your agent about flood insurance.
  • If you rent a house or apartment, talk to your agent about purchasing a renters insurance policy if you don’t already have one.
  • Board up windows, protect them with storm shutters or place tape from one corner diagonally to another.
  • Secure all outdoor objects that could be blown around by storm winds.
  • Move your boat to a safer place, or at least strengthen the mooring lines.
  • If you live in a mobile home, check tie-downs and leave immediately for a safer place.

For more information you may review the Hurricane Preparation FactSheet provided by the Texas Department of Insurance and Evacuation Planning provided by FEMA.

Now is also the time to purchase Flood Insurance prior to the expiration of the National Flood Insurance Program (NFIP), which is set to take effect at midnight on May 31, 2010.

Finally, you can find the claims number for your home or auto insurance carrier on our site under the CLAIMS & SERVICE tab.

Live Without Fear!