Are You Prepared?

If a hurricane brings major flooding, will you be covered? Your homeowners insurance does not provide any coverage for flooding. Click the button below for your free quote.

Get Ready

There’s more to preparing for a storm than buying insurance. Follow these steps to prepare for this hurricane season.

  • Consider Evacuating. Hurricanes do not arrive without warning, if the storm is bad enough, consider traveling inland where you can avoid the storm.

  • If You Choose To Stay, Prepare Your Home. Get anything out of your yard that can be blown by the wind, like trashcans, grills, sprinklers, childrens’ toys, lawn decorations, etc. Boarding up windows with at least 5/8” plywood is a good way to protect them from flying debris.

  • Gas Up Your Vehicles. Fuel shortages are common after a major storm.

  • Stock Up On Supplies to get you through the storm and the period after in case power and water are unavailable. Here is a list of recommended supplies. Add anything else you think you might need if you can’t leave your house for a few days.

  1. Water (one gallon per person per day for at least three days, for drinking and sanitation)

  2. Food (at least a three-day supply of non-perishable food)

  3. Prescription medications

  4. Flashlight

  5. Extra batteries

  6. First aid kit

  7. Whistle or air horn to signal for help

  8. Manual can opener (for food)

  9. Cell phone with chargers and a backup battery

  10. Non-prescription medications such as pain relievers

  11. Pet food and extra water for your pet

  12. Cash

  13. Fire extinguisher

  14. Books, games, puzzles or other activities (you might spend longer without power than you expect!)

Check Your Policies

There are three main policies you need to double-check before the next storm.

  1. Homeowners

  2. Flood

  3. Auto

  • Homeowners Insurance

    Your homeowners policy does not cover flood damage, but it does likely cover wind and hail, which are possible in a hurricane. You need to know if your home policy has enough coverage, as well as what your wind and hail deductible is. It might be written as a percentage. This refers to a percentage of your coverage amount, not the damage. If your policy excludes wind and hail, then you need to check your separate wind and hail policy.

  • Flood Insurance

    Flood insurance is available both through the National Flood Insurance Program (NFIP) and through private companies. If you don’t know if you have flood insurance, now is the time to check. It is important to know how much coverage you have, if any, and what the deductible is. Remember, policies from the NFIP have a 30-day waiting period before coverage is in effect, so don’t wait until a storm is coming to get covered.

  • Auto Insurance

    What does hurricane season have to do with auto insurance? If your car is damaged by a storm, this is something that would only be covered under comprehensive coverage. If your vehicle only has liability coverage then there is no protection for damage from a storm. Downed trees, hail, and of course, flooding can all total a car. Without proper coverage, your vehicle is totally unprotected from the elements.

Not Sure if You’re Covered?

Don’t wait, give us a call. We will help you protect your home and cars from the unknown this hurricane season.