Hurricanes are a fact of life in Florida, but being well prepared can help prevent damage to your home, protect your possessions, and keep your family safe. Here are a few basic suggestions on how to prepare for a hurricane.
Check Your Roof
Roof damage is one of the leading causes of damage to homes during hurricanes. Loose or damaged roof shingles leave your house susceptible to water damage, or your entire roof could be blown off. Make sure your home has intact straps to secure your roof, and that all the shingles are undamaged and securely fastened down.
Caulk Holes and Around Windows
Hurricane-force winds and rain are good at finding ways into your home that you didn’t even dream existed! To prevent this, go around the outside of your house looking for any openings that could let water in. Caulk around the windows to seal tiny cracks or gaps that might have opened up over time, and also caulk holes where power, cable, or phone lines go through the walls of your home.
Clean Up Outside
The last thing you want in a powerful storm is to add to the debris already flying around. Flower pots, lawn furniture, and even recently pruned tree branches can become missiles with enough wind behind them. Bring in anything that isn’t securely fastened down, and remind your neighbors to do the same.
Of course, we’re hoping that by taking the above steps, your home will remain undamaged in the storm, but take the time to inventory your possessions just in case. Walk around the house with your camera, taking both photos and video, and keep a spreadsheet of the more valuable items if you have time. If you’re a planner, you should do this regularly, perhaps once a year.
Review Your Insurance Policy
It never hurts to take a look over your insurance policy and see what it does and doesn’t cover. You should do this once a year or so, and make sure that the coverage is keeping up with your needs as your household grows. Make sure you understand the language and note any gaps in coverage. For instance, if your insurance policy covers damage done by hurricanes but not flooding or secondary water damage, you might want to purchase an additional flood insurance policy to make sure you’re fully protected.
Turn to Rapid Public Adjusters Once the Storm Passes
Once the storm passes, if your property has been damaged, you’ll have to file a hurricane damage insurance claim. A public adjuster can help you navigate the claim process, especially when your insurance company is swamped with claims. Call Rapid Public Adjusters today to ensure your claim gets the attention it deserves.